Personal loans in Gardena, CA
Gardena is a mid-sized city of about 58,377 residents, and a personal loan taken out here is governed by California statute. Judge Gardena offers on total cost, not on how quickly the money arrives.
The Census estimates 58,377 residents in Gardena, which ranks it 155th of 482 places in California. To lend to Gardena's 58,377 residents, a company must hold a California licence, and each sourced row below names the regulator behind it. A 2020-to-2023 comparison shows Gardena down by about 4.3%. The nearest larger city is Hawthorne, CA about 3 miles away.
Gardena: population, trend and location
The figures below are Gardena's own — Census population, land area and coordinates — followed by the California rules.
- Population: 58,377 — Gardena ranks 155th of 482 communities in California (US Census Bureau, Vintage 2023).
- Population trend: A decline of about 4.3% across the 2020-to-2023 comparison.
- Change in people: the 2020-to-2023 comparison is a loss of about 2,644 residents.
- Size percentile: with 58,377 residents, Gardena is larger than about 68% of California's Census places.
- Population density: about 10,015 people per square mile across 5.8 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Gardena covers 5.8 square miles, the 305th-largest area among California's 482 places.
- Water area rank: Gardena ranks 237th among California's 482 places, with 0.04 sq mi.
- Within California: about 0.2% of the state's population lives in Gardena.
- Nationally: Gardena is the 672nd-largest of 19,457 Census places in the dataset.
- Growth rank: Gardena ranks 387th among California's 482 places for the 2020-to-2023 change.
- State comparison: California's places average -1.3% for 2020-to-2023, against Gardena's 4.3%.
- Density in California: Gardena ranks 32nd by people per square mile.
- Density in context: Gardena's 10,015 people per square mile sit against a California median of 3,455.
- Location: the Census Gazetteer records it at 33.8944, -118.3075.
- Nearest larger cities: Hawthorne (3 mi); Compton (5 mi); Inglewood (5 mi); Carson (5 mi); Torrance (5 mi). A branch is convenient; it is not what sets your APR.
- Smaller towns nearby: Lawndale (3 mi); Hermosa Beach (6 mi); Manhattan Beach (7 mi).
- Smaller places within 50 miles: 78 of them.
- Larger places within 100 miles: 83.
Where Gardena sits
The Census Gazetteer records 5.8 square miles of land and 0.04 square miles of water within Gardena. Spread across it are roughly 10,015 residents per square mile. The state's population centre of gravity, Los Angeles, is roughly 10 miles away. A 50-mile radius around Gardena takes in 56 places that are larger. By land area it ranks 305th of 482 California places.
Where Gardena sits in California
Gardena is the 155th-largest of 482 Census places in California and contains about 0.2% of the state's people. On the 2020-to-2023 trend, Gardena stands 387th among California's 482 places — roughly the 20th percentile. By density, at about 10,015 people per square mile, it ranks 32nd in California. The population moved by about 2,644 people between 2020 and 2023, a 4.3% shift.
How a Gardena personal loan is priced
A Gardena personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 58,377 residents. Federal Truth in Lending rules require a Gardena lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Gardena loan but raises total interest, so the smallest payment is not the cheapest loan.
California rules behind a Gardena personal loan
These are California's sourced lending facts as they reach Gardena's 58,377 residents; the state has no city-level rate rule.
| 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 |
What is available to Gardena borrowers
At roughly 10,015 people per square mile, Gardena is densely built; 56 larger places lie within 50 miles. What is available to Gardena's 58,377 borrowers is set by California licensing and your own credit, not by how many branches are nearby. The nearest larger city, Hawthorne, CA about 3 miles away.
Common questions
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Does comparing loans in Gardena cost me credit score points?
Nearby places
- Hawthorne, CA — population 83,364
- Lawndale, CA — population 30,155
- Inglewood, CA — population 102,865
- Carson, CA — population 91,139
- Compton, CA — population 90,986
- Torrance, CA — population 139,224
- Hermosa Beach, CA — population 18,641
- Lomita, CA — population 19,782