Personal loans in Clayton, CA

With roughly 10,754 residents, Clayton is a small town, and the lending rules its borrowers live under are written in California, not by the city. Decide the purpose of the loan and your repayment plan before sharing any details with a Clayton lender. Consumer lending that reaches Clayton's 10,754 residents is governed by California statute; no city ordinance changes it. Borrowers who want a bigger city can look to Concord, CA about 4 miles away.

Clayton: the sourced local profile

Most of what governs a Clayton loan is written in California law rather than in the city; the sourced notes below make that split concrete.

• Population: a Census-estimated 10,754, 365th among California's 482 places (Vintage 2023).
• Population trend: A loss of roughly 2.9% between 2020 and 2023.
• Absolute change: 317 residents lost between 2020 and 2023.
• Size percentile: Clayton's 10,754 people outrank roughly 24% of the places in California.
• Population density: about 2,801 people per square mile (Census land area 3.8 sq mi).
• By land area: Clayton ranks 351st among California's 482 places, at 3.8 sq mi.
• State population share: Clayton accounts for about 0.0% of everyone in California.
• National rank: Clayton sits 2,996th by population among the 19,457 places in this dataset.
• Growth rank: Clayton ranks 304th among California's 482 places for the 2020-to-2023 change.
• State comparison: California's places average -1.3% for 2020-to-2023, against Clayton's 2.9%.
• Density rank: Clayton is the 304th most densely settled place in California.
• Against the state median: Clayton runs about 2,801 residents per square mile, where the California median is 3,455.
• Location: mapped by the US Census Bureau at 37.9403, -121.9301.
• Nearest larger cities: Concord (4 mi); Pittsburg (6 mi); Walnut Creek (7 mi); Antioch (8 mi); Pleasant Hill (8 mi). Larger metros often have more branches, but online lenders reach Clayton on the same terms.
• Nearest smaller towns: Piedmont (18 mi); Rio Vista (20 mi); Isleton (23 mi).
• Smaller neighbours: 20 places smaller than Clayton sit within 50 miles.
• Larger places within 100 miles: 120.

The geography behind Clayton

Clayton covers about 3.8 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 10,754 residents, the land area yields roughly 2,801 people per square mile. Los Angeles, the largest place in California, is about 335 miles from Clayton. Clayton has 81 larger places within a 50-mile radius. Within the same 50 miles lie 20 smaller Census places.

California consumer-lending rules applied in Clayton

Read the table as a lender's compliance picture for Clayton: the rule, the sourced figure, the publisher and the date.

How lenders reach Clayton

With about 2,801 residents per square mile, Clayton is fairly dense, and 81 larger Census places sit within 50 miles. A California licence lets a lender serve Clayton without a local office, so branch density does not change what its 10,754 residents are offered. The nearest bigger place is Concord, CA about 4 miles away.

Clayton's place among California's 482 places

Within California, Clayton holds roughly 0.0% of all residents, the 365th-largest share among 482 places. For population change between 2020 and 2023, Clayton ranks 304th of 482 in California (about the 37th percentile). At about 2,801 people per square mile, Clayton is the 304th most densely settled place in California. Between 2020 and 2023 the count changed by roughly 317 residents.

What shapes a Clayton personal loan

In Clayton, a small town of about 10,754, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Clayton. Shortening the term on a Clayton loan raises the monthly payment but cuts the interest; lengthening it does the reverse.