Personal loans in Colma, CA

Rate-shopping from Colma costs nothing at pre-qualification, where a soft pull leaves your credit file alone. With 1,407 residents, Colma outranks about 4% of the communities in California. Every figure below is California's own, applied to Colma's 1,407 residents, with the publisher and retrieval date attached. From the 2020 Census base to the 2023 estimate, the population declined by about 6.4%. A larger market lies at Daly City, CA about 2 miles away.

The Colma data picture

What follows is Colma's place in the Census record, alongside the California rules that govern a personal loan made here.

• Population: about 1,407 people live here, which puts Colma 463rd of 482 Census places in California (Vintage 2023).
• Population trend: Lower by roughly 6.4% since the 2020 count.
• People gained or lost: about 96 fewer since the 2020 base.
• Size percentile: about 4% of California's Census places are smaller than Colma.
• Land and density: 1.9 square miles of land carry roughly 744 residents per square mile.
• Land area: Colma covers 1.9 square miles, the 431st-largest area among California's 482 places.
• Share of California: Colma holds about 0.0% of the state's population, some 1,407 people.
• National standing: Colma ranks 8,933rd of 19,457 US places.
• Growth rank: Colma's 2020-to-2023 change ranks 471st of 482 places in California.
• Against the state trend: Colma's 6.4% change compares with a California average of -1.3% across its 482 places.
• Density rank: Colma places 447th among California's places by people per square mile.
• Density in context: Colma's 744 people per square mile sit against a California median of 3,455.
• Location: 37.6767 / -122.4528, per the US Census Bureau Gazetteer.
• Nearest larger cities: Daly City (2 mi); San Bruno (4 mi); Brisbane (4 mi); South San Francisco (4 mi); Pacifica (5 mi). Larger metros often have more branches, but online lenders reach Colma on the same terms.
• Nearest smaller towns: Isleton (57 mi); Sand City (80 mi); Amador City (102 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 0 of them.
• Within 100 miles: 147 places are larger than Colma.

How personal loans work in Colma

In Colma, a small community of about 1,407, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Colma loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Colma decides the split between a comfortable payment and the total interest you pay.

How Colma compares across California

Set beside California's 482 places, Colma ranks 463rd by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Colma stands 471st among California's 482 places — roughly the 2th percentile. Its roughly 744 residents per square mile place it 447th among California's places. The population moved by about 96 people between 2020 and 2023, a 6.4% shift.

Getting a loan in Colma

Colma is a moderately settled community of about 1,407 people, with 89 larger places inside a 50-mile radius. A California licence lets a lender serve Colma without a local office, so branch density does not change what its 1,407 residents are offered. The nearest bigger place is Daly City, CA about 2 miles away.

What to do before borrowing in Colma

For Colma's roughly 1,407 residents, these are the steps that most influence the offer:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Test your amount and term in the personal loan calculator first.
3. Line up several pre-qualified offers and let the APR decide.
4. Verify the lender's California licence with the regulator listed on this page.
5. Borrow only what the purpose requires, not the maximum you are offered.
6. Be clear on what the loan is for and how it gets repaid.
7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

What differs between Colma and the rest of California is not the process but the borrower's own file, among the 1,407 people here.

What California law requires in Colma

This table holds the California rate and licensing rules for consumer loans made to Colma's 1,407 residents.