Personal loans in Ione, CA

By population, Ione sits at 421st in California, with an estimated 5,431 residents. Population in Ione climbed about 5.6% over the three years from 2020 to 2023. Pull your credit reports and line up at least three offers before you apply from Ione. The closest larger place is Galt, CA about 20 miles away.

Ione: the sourced local profile

Here is the sourced Census picture for Ione, plus the California lending rules that apply to a loan taken out here.

• Population: 5,431 — Ione ranks 421st of 482 communities in California (US Census Bureau, Vintage 2023).
• Population trend: Higher by roughly 5.6% since the 2020 count.
• People gained or lost: about 287 more since the 2020 base.
• Size percentile: about 13% of California's Census places are smaller than Ione.
• Density: roughly 1,186 residents per square mile, spread over 4.6 sq mi of land.
• By land area: Ione ranks 335th among California's 482 places, at 4.6 sq mi.
• Water area rank: Ione ranks 222nd among California's 482 places, with 0.05 sq mi.
• State population share: Ione accounts for about 0.0% of everyone in California.
• Nationally: Ione is the 4,607th-largest of 19,457 Census places in the dataset.
• Growth in California: Ione stands 22nd by percentage change from 2020 to 2023, among 482 places.
• Against the state trend: Ione's 5.6% change compares with a California average of -1.3% across its 482 places.
• Density rank: Ione places 421st among California's places by people per square mile.
• Against the state median: Ione runs about 1,186 residents per square mile, where the California median is 3,455.
• Location: it lies at 38.3629, -120.9477 in the Census Gazetteer.
• Nearest larger cities: Galt (20 mi); Rancho Cordova (22 mi); Folsom (23 mi); Elk Grove (24 mi); Lodi (25 mi). Online lenders reach Ione no matter how far the nearest branch is.
• Nearest smaller towns: Amador City (8 mi); Sutter Creek (8 mi); Plymouth (9 mi).
• Within a 50-mile radius: 7 smaller Census places.
• Larger places within 100 miles: 136.

The geography behind Ione

Ione covers about 4.6 square miles of land, with 0.05 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 1,186 people per square mile. Los Angeles, the largest place in California, is about 332 miles from Ione. Within 50 miles of Ione there are 26 larger Census places. By land area it ranks 335th of 482 California places.

Borrowing reach in Ione

Ione is moderately settled, with about 1,186 people per square mile and 26 larger places within 50 miles. A California licence lets a lender serve Ione without a local office, so branch density does not change what its 5,431 residents are offered. The nearest larger city, Galt, CA about 20 miles away.

What to do before borrowing in Ione

Before you hand your details to a lender in Ione, where the population is near 5,431:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Look the lender up in the California regulator's licence records before you sign.
5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
6. Write down the purpose of the loan and your repayment plan before you apply.
7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

None of these steps is Ione-specific: the same California licensing and disclosure rules reach all 5,431 residents.

The California lending rules that reach Ione

This table holds the California rate and licensing rules for consumer loans made to Ione's 5,431 residents.

Where Ione sits in California

Within California, Ione holds roughly 0.0% of all residents, the 421st-largest share among 482 places. Its 2020-to-2023 change ranks 22nd of 482 California places, putting it near the 95th percentile for growth. Its roughly 1,186 residents per square mile place it 421st among California's places. Between 2020 and 2023 the count changed by roughly 287 residents.