Personal loans in Portola Valley, CA
The Census estimates 4,204 residents in Portola Valley, which ranks it 435th of 482 places in California. Two households in Portola Valley with comparable incomes can still be offered different rates; the city's 4,204 residents are not the reason. Use the calculator on this page to price an amount and term before you commit in Portola Valley. For the 4,204 people in Portola Valley, California runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The 2020 count to the 2023 estimate shows about 5.7% decline in Portola Valley. A larger market lies at Woodside, CA about 4 miles away.
Borrowing in Portola Valley: the local picture
Portola Valley is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: the Census counts 4,204 residents in Portola Valley (Vintage 2023 subcounty estimate), the 435th-largest figure among California's 482 places.
- Population trend: About 5.7% below the 2020 Census base.
- Net change: roughly 254 fewer people than the 2020 Census counted.
- Size percentile: roughly 10% of California's places have fewer residents than Portola Valley's 4,204.
- Density: the Census land area of 9.1 sq mi holds about 463 people per square mile.
- Land area rank: Portola Valley's 9.1 square miles rank 228th of 482 places in California.
- Within California: about 0.0% of the state's population lives in Portola Valley.
- Nationally: Portola Valley is the 5,324th-largest of 19,457 Census places in the dataset.
- Growth in California: Portola Valley stands 458th by percentage change from 2020 to 2023, among 482 places.
- Against the state trend: Portola Valley's 5.7% change compares with a California average of -1.3% across its 482 places.
- Density rank: Portola Valley places 468th among California's places by people per square mile.
- Against the state median: Portola Valley runs about 463 residents per square mile, where the California median is 3,455.
- Location: 37.3652, -122.2327 (Census Gazetteer coordinates).
- Nearest larger cities: Woodside (4 mi); Los Altos Hills (5 mi); Palo Alto (5 mi); Atherton (7 mi); Los Altos (7 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller communities close by: Monte Sereno (16 mi); Colma (25 mi); Belvedere (37 mi), each with its own Census population profile.
- Within a 50-mile radius: 4 smaller Census places.
- Within 100 miles: 138 places are larger than Portola Valley.
Where Portola Valley sits in California
Among California's 482 places, Portola Valley sits at 435th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Portola Valley stands 458th among California's 482 places — roughly the 5th percentile. At about 463 people per square mile, Portola Valley is the 468th most densely settled place in California. Within 50 miles sit 4 smaller Census places, alongside the 78 that are larger.
The California lending rules that reach Portola Valley
When California does not publish a figure, the row links to the source instead of inventing a number; Portola Valley 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 |
| Maximum legal interest rate (usury cap) | 7% per annum default; written contracts may set up to 10% per annum for consumer-purpose loans Source says: "shall be 7 percent per annum"; "for use primarily for personal, family, or household purposes, at a rate not exceeding 10 percent per annum". | California Legislature — California Constitution, Article XV, § 1 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 |
Lender access in Portola Valley
Portola Valley is a lightly settled community of about 4,204 people, with 78 larger places inside a 50-mile radius. Distance to a branch rarely matters for Portola Valley's 4,204 residents: the application is online and the price follows your credit file. The nearest bigger place is Woodside, CA about 4 miles away.
The geography behind Portola Valley
Portola Valley covers about 9.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 463 people per square mile. The state's population centre of gravity, Los Angeles, is roughly 315 miles away. Within 50 miles of Portola Valley there are 78 larger Census places. By land area it ranks 228th of 482 California places.
What a Portola Valley borrower is actually offered
A Portola Valley personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 4,204 residents. A lender serving Portola Valley's 4,204 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Portola Valley decides the split between a comfortable payment and the total interest you pay.
Common questions
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Nearby places
- Woodside, CA — population 5,037
- Los Altos Hills, CA — population 8,189
- Palo Alto, CA — population 65,882
- Atherton, CA — population 6,823
- Los Altos, CA — population 29,990
- San Carlos, CA — population 28,862
- Menlo Park, CA — population 31,690
- East Palo Alto, CA — population 28,216