Personal loans in San Fernando, CA
A lender serving San Fernando holds a California licence and answers to a California regulator; no city office is involved for its 23,364 residents.
For the 23,364 people in San Fernando, California runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. San Fernando is one of 482 Census places in California; its 23,364 residents put it at 280th. Verify the lender's California licence against the regulator named below before borrowing in San Fernando. The trend for San Fernando between 2020 and 2023 is downward by roughly 2.5%. The next larger city is Burbank, CA about 9 miles away.
Local context for San Fernando
Two layers matter for a San Fernando borrower: the local population picture and California's consumer-lending statutes.
- Population: an estimated 23,364 residents, 280th of 482 places in California (Census Vintage 2023 subcounty estimate).
- Population trend: Lower by roughly 2.5% since the 2020 count.
- Net change: roughly 599 fewer people than the 2020 Census counted.
- Size percentile: bigger than about 42% of the places in California, with 23,364 residents in San Fernando.
- Land and density: 2.4 square miles of land carry roughly 9,842 residents per square mile.
- Land area rank: San Fernando's 2.4 square miles rank 414th of 482 places in California.
- Within California: about 0.1% of the state's population lives in San Fernando.
- National rank: San Fernando is 1,667th of 19,457 places nationwide.
- Growth rank: San Fernando ranks 281st among California's 482 places for the 2020-to-2023 change.
- Against the state trend: San Fernando's 2.5% change compares with a California average of -1.3% across its 482 places.
- Density rank: San Fernando is the 34th most densely settled place in California.
- Density in context: San Fernando's 9,842 people per square mile sit against a California median of 3,455.
- Location: it lies at 34.2887, -118.4362 in the Census Gazetteer.
- Nearest larger cities: Burbank (9 mi); Santa Clarita (10 mi); Glendale (13 mi); West Hollywood (14 mi); Beverly Hills (15 mi). A branch is convenient; it is not what sets your APR.
- Smaller places nearby: La Cañada Flintridge (15 mi); Hidden Hills (15 mi); Calabasas (17 mi).
- Smaller neighbours: 33 places smaller than San Fernando sit within 50 miles.
- Within 100 miles: 134 places are larger than San Fernando.
San Fernando's place among California's 482 places
Against California's other places, San Fernando accounts for about 0.1% of the state's population and ranks 280th of 482 by size. Its 2020-to-2023 change ranks 281st of 482 California places, putting it near the 42th percentile for growth. Its roughly 9,842 residents per square mile place it 34th among California's places. Between 2020 and 2023 the count changed by roughly 599 residents.
San Fernando: area, density and distance
Inside San Fernando's boundaries lie about 2.4 square miles of land, with no significant water area recorded. The resulting density is about 9,842 people per square mile. For the state's biggest city, Los Angeles, the distance is roughly 19 miles. Within 50 miles of San Fernando there are 86 larger Census places. By land area it ranks 414th of 482 California places.
The anatomy of a San Fernando personal loan
In San Fernando, a smaller city of about 23,364, 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 San Fernando can be quoted different APRs on the same amount and term. Shortening the term on a San Fernando loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
What California law requires in San Fernando
California has no separate rate rule for San Fernando; the sourced rows below are what reach every lender that serves its 23,364 people.
| 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 |
| 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 |
| 36% rate cap on mid-size consumer loans (AB 539) | Consumer loans of $2,500 to under $10,000: cap of 36% per annum simple interest plus the Federal Funds Rate Source says: "charges at a rate not exceeding an annual simple interest rate of 36 percent per annum plus the Federal Funds Rate". | California Legislature — Financial Code § 22304.5 as of 2026-09-16 |
How lenders reach San Fernando
San Fernando is a densely built community of about 23,364 people, with 86 larger places inside a 50-mile radius. What is available to San Fernando's 23,364 borrowers is set by California licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Burbank, CA about 9 miles away.
Common questions
What are my options in San Fernando if my credit is poor?
What loan size can I expect in San Fernando?
Do I have to pledge anything to borrow in San Fernando?
Does comparing loans in San Fernando cost me credit score points?
Nearby places
- Santa Clarita, CA — population 224,028
- Burbank, CA — population 102,755
- West Hollywood, CA — population 34,349
- Beverly Hills, CA — population 30,974
- Glendale, CA — population 187,050
- La Cañada Flintridge, CA — population 19,538
- Hidden Hills, CA — population 1,685
- Los Angeles, CA — population 3,820,914