Personal loans in San Gabriel, CA
The first question in San Gabriel is not the rate on offer but whether the payment fits; about 37,732 people live here under California lending law.
Compare APR, not the interest rate, because the APR folds in most fees on a San Gabriel loan. With an estimated 37,732 residents, San Gabriel is the 210th-largest of 482 places in California. Rate ceilings, licensing requirements and product limits for San Gabriel are all set at the California level. The trend for San Gabriel between 2020 and 2023 is downward by roughly 4.7%. The nearest larger metro is Rosemead, CA about 2 miles away.
San Gabriel: population, trend and location
Here is the sourced Census picture for San Gabriel, plus the California lending rules that apply to a loan taken out here.
- Population: about 37,732, ranked 210th of 482 places in California (Census Vintage 2023 subcounty estimate).
- Population trend: A loss of roughly 4.7% between 2020 and 2023.
- Net change: roughly 1,842 fewer people than the 2020 Census counted.
- Size percentile: bigger than about 56% of the places in California, with 37,732 residents in San Gabriel.
- Density: the Census land area of 4.1 sq mi holds about 9,105 people per square mile.
- By land area: San Gabriel ranks 344th among California's 482 places, at 4.1 sq mi.
- Within California: about 0.1% of the state's population lives in San Gabriel.
- National rank: San Gabriel sits 1,068th by population among the 19,457 places in this dataset.
- Growth rank: San Gabriel's 2020-to-2023 change ranks 400th of 482 places in California.
- Against the state trend: San Gabriel's 4.7% change compares with a California average of -1.3% across its 482 places.
- Density rank: San Gabriel is the 38th most densely settled place in California.
- Density vs California: San Gabriel's 9,105 people per square mile compare with a state median of 3,455.
- Location: mapped by the US Census Bureau at 34.0946, -118.0985.
- Nearest larger cities: Rosemead (2 mi); Alhambra (2 mi); Monterey Park (4 mi); El Monte (4 mi); Arcadia (4 mi). Larger metros often have more branches, but online lenders reach San Gabriel on the same terms.
- Smaller towns nearby: San Marino (2 mi); Temple City (2 mi); South Pasadena (3 mi).
- Smaller neighbours: 57 places smaller than San Gabriel sit within 50 miles.
- At 100 miles: 112 larger Census places fall inside that radius.
San Gabriel's place among California's 482 places
Set beside California's 482 places, San Gabriel ranks 210th by population and holds about 0.1% of the state total. On the 2020-to-2023 trend, San Gabriel stands 400th among California's 482 places — roughly the 17th percentile. Its roughly 9,105 residents per square mile place it 38th among California's places. By land area, its 4.1 square miles rank 344th of 482 places in California.
Lender access in San Gabriel
At roughly 9,105 people per square mile, San Gabriel is densely built; 83 larger places lie within 50 miles. Lenders licensed in California reach San Gabriel's 37,732 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Rosemead, CA about 2 miles away.
The geography behind San Gabriel
Inside San Gabriel's boundaries lie about 4.1 square miles of land, with no significant water area recorded. With 37,732 residents, the land area yields roughly 9,105 people per square mile. For the state's biggest city, Los Angeles, the distance is roughly 19 miles. A 50-mile radius around San Gabriel takes in 83 places that are larger. By land area it ranks 344th of 482 California places.
What a San Gabriel borrower is actually offered
A San Gabriel personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 37,732 residents. Federal Truth in Lending rules require a San Gabriel lender to disclose the APR and finance charge before you sign. Shortening the term on a San Gabriel loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
The California lending rules that reach San Gabriel
For the roughly 37,732 residents of San Gabriel, the rules below are California's own; each row carries its publisher and retrieval date.
| 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 |
| 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 |
| 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 |
Common questions
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Nearby places
- Rosemead, CA — population 49,305
- San Marino, CA — population 11,977
- Alhambra, CA — population 79,776
- Temple City, CA — population 34,854
- Monterey Park, CA — population 57,877
- South Pasadena, CA — population 25,623
- South El Monte, CA — population 19,032
- El Monte, CA — population 103,794