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.

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

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.

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.

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.

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
Payday lending statusPermitted 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 licensingFinance 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.

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 Gardena 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 Gardena is the same as anywhere in California.
What loan size can I expect in Gardena?
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 Gardena?
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 Gardena 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.

Nearby places

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