Personal loans in Daly City, CA
The first question in Daly City is not the rate on offer but whether the payment fits; about 99,833 people live here under California lending law. Roughly 99,833 residents live in Daly City, the 75th-largest community in California.
Daly City lost roughly 4.9% of its population across the 2020-to-2023 comparison. Compare APR, not the interest rate, because the APR folds in most fees on a Daly City loan. The nearest larger metro is San Mateo, CA about 13 miles away. Lenders active in Daly City report to a California supervisor, identified in the sourced rows below.
Daly City by the numbers
Here is the sourced Census picture for Daly City, plus the California lending rules that apply to a loan taken out here.
- Population: 99,833 people, a figure that places Daly City 75th among the 482 Census places in California (US Census Bureau, Vintage 2023).
- Population trend: A decline of about 4.9% across the 2020-to-2023 comparison.
- Change in people: the 2020-to-2023 comparison is a loss of about 5,140 residents.
- Size percentile: Daly City's 99,833 people outrank roughly 84% of the places in California.
- Population density: about 13,050 people per square mile across 7.7 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Daly City covers 7.7 square miles, the 258th-largest area among California's 482 places.
- State population share: Daly City accounts for about 0.3% of everyone in California.
- National rank: Daly City is the 328th most populous of the 19,457 Census places covered here.
- Growth rank: Daly City's 2020-to-2023 change ranks 415th of 482 places in California.
- State comparison: California's places average -1.3% for 2020-to-2023, against Daly City's 4.9%.
- Density in California: Daly City ranks 12th by people per square mile.
- Density vs California: Daly City's 13,050 people per square mile compare with a state median of 3,455.
- Location: it lies at 37.7017, -122.4650 in the Census Gazetteer.
- Nearest larger cities: San Mateo (13 mi); Oakland (14 mi); Berkeley (15 mi); Richmond (18 mi); Hayward (20 mi). Larger metros often have more branches, but online lenders reach Daly City on the same terms.
- Smaller communities within reach: Colma (2 mi); Brisbane (5 mi); San Bruno (6 mi).
- Smaller places within 50 miles: 74 of them.
- Within 100 miles: 22 places are larger than Daly City.
The California lending rules that reach Daly City
When California does not publish a figure, the row links to the source instead of inventing a number; Daly City is bound by the same rules.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | California 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 |
| Payday lending status | Permitted under the California Deferred Deposit Transaction Law; max $300 face amount; fee ≤15%; term up to 31 days Source says: "The face amount of the check shall not exceed three hundred dollars ($300)"; "A fee for a deferred deposit transaction shall not exceed 15 percent of the face amount of the check" (Financial Code § 23036). | California Legislature — Financial Code § 23035 (and § 23036) as of 2026-09-16 |
| Small-loan / installment lender licensing | Finance lender/broker license required from the Commissioner of Financial Protection and Innovation (California Financing Law) Source says: "No person shall engage in the business of a finance lender or broker without obtaining a license from the commissioner". | California Legislature — Financial Code § 22100 as of 2026-09-16 |
Daly City in state context
Among California's 482 places, Daly City sits at 75th for population, a share of roughly 0.3% of the state. On the 2020-to-2023 trend, Daly City stands 415th among California's 482 places — roughly the 14th percentile. At about 13,050 people per square mile, Daly City is the 12th most densely settled place in California. By land area, its 7.7 square miles rank 258th of 482 places in California.
Getting a loan in Daly City
Daly City is a densely built community of about 99,833 people, with 14 larger places inside a 50-mile radius. Distance to a branch rarely matters for Daly City's 99,833 residents: the application is online and the price follows your credit file. For a larger market, the closest option is San Mateo, CA about 13 miles away.
Land, water and location for Daly City
Daly City covers about 7.7 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 13,050 people per square mile. Los Angeles, the largest place in California, is about 341 miles from Daly City. Daly City has 14 larger places within a 50-mile radius. Within the same 50 miles lie 74 smaller Census places.
Inside a Daly City personal loan
A Daly City personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 99,833 residents. Two numbers drive a Daly City loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Daly City decides the split between a comfortable payment and the total interest you pay.
Common questions
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Nearby places
- Colma, CA — population 1,407
- San Bruno, CA — population 41,327
- Brisbane, CA — population 4,577
- Pacifica, CA — population 36,426
- South San Francisco, CA — population 63,123
- Millbrae, CA — population 22,087
- Burlingame, CA — population 29,910
- Sausalito, CA — population 7,021