Personal loans in Gustine, CA
A personal loan in Gustine is priced from your credit file and income, not from the fact that the city holds 6,099 people. By population, Gustine sits at 414th in California, with an estimated 6,099 residents.
A 2020-to-2023 comparison shows Gustine down by about 0.8%. Verify the lender's California licence against the regulator named below before borrowing in Gustine. The nearest larger city is Newman, CA about 5 miles away. To lend to Gustine's 6,099 residents, a company must hold a California licence, and each sourced row below names the regulator behind it.
Where Gustine stands
What follows is Gustine's place in the Census record, alongside the California rules that govern a personal loan made here.
- Population: an estimated 6,099 residents, 414th of 482 places in California (Census Vintage 2023 subcounty estimate).
- Population trend: Down about 0.8% from the 2020 Census base to the 2023 estimate.
- Net change: roughly 50 fewer people than the 2020 Census counted.
- Size percentile: Gustine sits ahead of around 14% of California places, at 6,099 people.
- Density: the Census land area of 1.9 sq mi holds about 3,244 people per square mile.
- Land area rank: Gustine's 1.9 square miles rank 434th of 482 places in California.
- State population share: Gustine accounts for about 0.0% of everyone in California.
- Nationally: Gustine is the 4,322nd-largest of 19,457 Census places in the dataset.
- Growth rank: Gustine ranks 155th among California's 482 places for the 2020-to-2023 change.
- State comparison: California's places average -1.3% for 2020-to-2023, against Gustine's 0.8%.
- Density rank: Gustine places 261st among California's places by people per square mile.
- Against the state median: Gustine runs about 3,244 residents per square mile, where the California median is 3,455.
- Location: coordinates 37.2525, -120.9955 (US Census Bureau Gazetteer).
- Nearest larger cities: Newman (5 mi); Los Banos (16 mi); Livingston (18 mi); Patterson (18 mi); Turlock (19 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller places nearby: Dos Palos (27 mi); San Juan Bautista (41 mi); Monte Sereno (55 mi).
- Smaller neighbours: 2 places smaller than Gustine sit within 50 miles.
- Within 100 miles: 137 places are larger than Gustine.
How California law applies in Gustine
When California does not publish a figure, the row links to the source instead of inventing a number; Gustine 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 |
Gustine on the map
Gustine covers about 1.9 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 3,244 residents per square mile. Los Angeles, the largest place in California, is about 266 miles from Gustine. A 50-mile radius around Gustine takes in 26 places that are larger. By land area it ranks 434th of 482 California places.
How a Gustine personal loan is priced
In Gustine, a small town of about 6,099, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Gustine can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Gustine loan is knowable in advance — unlike a revolving card balance.
Before you apply in Gustine
A sensible order of operations for a loan in Gustine, home to about 6,099 people:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Test your amount and term in the personal loan calculator first.
- Shop at least three lenders and judge them on APR and total cost.
- Confirm the lender holds a California licence by checking the regulator named above.
- Decide the purpose and how you will repay it before approaching any lender.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
None of these steps is Gustine-specific: the same California licensing and disclosure rules reach all 6,099 residents.
Borrowing reach in Gustine
With about 3,244 residents per square mile, Gustine is fairly dense, and 26 larger Census places sit within 50 miles. Whether Gustine has a local branch or not, a California-licensed lender can serve its 6,099 people online on the same terms. The nearest bigger place is Newman, CA about 5 miles away.
Common questions
What are my options in Gustine if my credit is poor?
What loan size can I expect in Gustine?
Do I have to pledge anything to borrow in Gustine?
Does comparing loans in Gustine cost me credit score points?
Nearby places
- Newman, CA — population 12,207
- Los Banos, CA — population 48,553
- Patterson, CA — population 25,063
- Turlock, CA — population 72,100
- Livingston, CA — population 14,643
- Ceres, CA — population 48,397
- Hughson, CA — population 7,683
- Modesto, CA — population 218,915