Personal loans in Colusa, CA

Colusa is a small town in California, with an estimated 6,527 residents, and every licensed lender here follows the same state rulebook.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

For the 6,527 people in Colusa, California runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. About 6,527 people live in Colusa, placing it 410th of 482 Census places in California. Begin with the payment, then weigh APR and total interest across the lenders that reach Colusa's 6,527 residents. The trend for Colusa between 2020 and 2023 is upward by roughly 2.0%. The nearest larger city is Live Oak, CA about 19 miles away.

Where Colusa stands

Set out below is Colusa's local context next to the state-level rules that reach every lender here.

The geography behind Colusa

Inside Colusa's boundaries lie about 4.4 square miles of land, with no significant water area recorded. Spread across it are roughly 1,497 residents per square mile. Los Angeles, the largest place in California, is about 410 miles from Colusa. Colusa has 15 larger places within a 50-mile radius. Within the same 50 miles lie 4 smaller Census places.

Getting a loan in Colusa

At roughly 1,497 people per square mile, Colusa is moderately settled; 15 larger places lie within 50 miles. Whether Colusa has a local branch or not, a California-licensed lender can serve its 6,527 people online on the same terms. The nearest bigger place is Live Oak, CA about 19 miles away.

The anatomy of a Colusa personal loan

Colusa is a small town of about 6,527 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Colusa can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Colusa loan but raises total interest, so the smallest payment is not the cheapest loan.

How Colusa compares across California

Against California's other places, Colusa accounts for about 0.0% of the state's population and ranks 410th of 482 by size. For population change between 2020 and 2023, Colusa ranks 80th of 482 in California (about the 83th percentile). At about 1,497 people per square mile, Colusa is the 406th most densely settled place in California. Between 2020 and 2023 the count changed by roughly 127 residents.

California rules behind a Colusa personal loan

These are California's sourced lending facts as they reach Colusa's 6,527 residents; the state has no city-level rate rule.

RuleDetailSource
State lending regulatorCalifornia Department of Financial Protection and Innovation (DFPI)
Source says: "“Department” means the Department of Financial Protection and Innovation".		California Legislature — Financial Code § 23001
as of 2026-09-16
36% rate cap on mid-size consumer loans (AB 539)Consumer loans of $2,500 to under $10,000: cap of 36% per annum simple interest plus the Federal Funds Rate
Source says: "charges at a rate not exceeding an annual simple interest rate of 36 percent per annum plus the Federal Funds Rate".		California Legislature — Financial Code § 22304.5
as of 2026-09-16
Maximum legal interest rate (usury cap)7% per annum default; written contracts may set up to 10% per annum for consumer-purpose loans
Source says: "shall be 7 percent per annum"; "for use primarily for personal, family, or household purposes, at a rate not exceeding 10 percent per annum".		California Legislature — California Constitution, Article XV, § 1
as of 2026-09-16
Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Colusa if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Colusa is the same as anywhere in California.
What loan size can I expect in Colusa?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Colusa?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Colusa cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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