Personal loans in Commerce, CA

With an estimated 11,672 residents, Commerce is the 356th-largest of 482 places in California. The nearest larger metro is Bell, CA about 2 miles away. When California caps or restricts a product, lenders either change the terms or withdraw it from Commerce as from the rest of the state. Rate-shopping from Commerce costs nothing at pre-qualification, where a soft pull leaves your credit file alone.

Borrowing in Commerce: the local picture

Read the local figures below as context; read the sourced California table as the rulebook a lender here must follow.

• Population: a Census-estimated 11,672, 356th among California's 482 places (Vintage 2023).
• Population trend: A loss of roughly 5.6% between 2020 and 2023.
• Net change: roughly 690 fewer people than the 2020 Census counted.
• Size percentile: roughly 26% of California places rank below Commerce.
• Density: roughly 1,786 residents per square mile, spread over 6.5 sq mi of land.
• By land area: Commerce ranks 285th among California's 482 places, at 6.5 sq mi.
• State share: roughly 0.0% of California's residents live in Commerce (11,672 people).
• Nationally: Commerce is the 2,818th-largest of 19,457 Census places in the dataset.
• Growth rank: Commerce ranks 452nd among California's 482 places for the 2020-to-2023 change.
• Versus California: the state average change is -1.3%, while Commerce moved 5.6%.
• Density in California: Commerce ranks 381st by people per square mile.
• Against the state median: Commerce runs about 1,786 residents per square mile, where the California median is 3,455.
• Location: latitude 33.9945, longitude -118.1500 (Census Gazetteer).
• Nearest larger cities: Bell (2 mi); Bell Gardens (2 mi); Maywood (2 mi); Montebello (3 mi); Cudahy (3 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller places nearby: Vernon (4 mi); La Habra Heights (12 mi); Industry (12 mi).
• Smaller places within 50 miles: 14 of them.
• At 100 miles: 169 larger Census places fall inside that radius.

Steps to take before a Commerce loan

These steps shape the offer you get in Commerce, a place of about 11,672 people:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Test your amount and term in the personal loan calculator first.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Verify the lender's California licence with the regulator listed on this page.
5. Write down the purpose of the loan and your repayment plan before you apply.
6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
7. Look for an origination fee or prepayment penalty in the written disclosure.

In Commerce as elsewhere in California, the written terms — not the advertisement — are what count for its 11,672 residents.

Borrowing reach in Commerce

With about 1,786 residents per square mile, Commerce is moderately settled, and 126 larger Census places sit within 50 miles. Distance to a branch rarely matters for Commerce's 11,672 residents: the application is online and the price follows your credit file. The nearest bigger place is Bell, CA about 2 miles away.

Commerce in state context

Among California's 482 places, Commerce sits at 356th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Commerce stands 452nd among California's 482 places — roughly the 6th percentile. At about 1,786 people per square mile, Commerce is the 381st most densely settled place in California. In land area, Commerce ranks 285th among California's 482 places.

What California law requires in Commerce

California has no separate rate rule for Commerce; the sourced rows below are what reach every lender that serves its 11,672 people.

Commerce on the map

Commerce's land area is roughly 6.5 square miles, and the Gazetteer records no significant water area within it. That land carries about 1,786 people per square mile. The largest place in California, Los Angeles, lies about 15 miles away. A 50-mile radius around Commerce takes in 126 places that are larger. By land area it ranks 285th of 482 California places.