Personal loans in San Rafael, CA

San Rafael lost roughly 2.8% of its population across the 2020-to-2023 comparison. If debt is already a strain, a nonprofit credit counsellor can help San Rafael residents before they take on more. The closest larger city is Richmond, CA about 8 miles away. Rate ceilings, licensing requirements and product limits for San Rafael are all set at the California level.

The San Rafael data picture

Only a few things actually differ by place — population, area, location, and the California rules a lender must follow — and they are below.

• Population: an estimated 59,555 residents, 150th of 482 places in California (Census Vintage 2023 subcounty estimate).
• Population trend: A drop of about 2.8% from 2020 to 2023.
• Change in people: the 2020-to-2023 comparison is a loss of about 1,726 residents.
• Size percentile: with 59,555 residents, San Rafael is larger than about 69% of California's Census places.
• Density: the Census land area of 16.6 sq mi holds about 3,590 people per square mile.
• Land area: San Rafael covers 16.6 square miles, the 143rd-largest area among California's 482 places.
• Water: San Rafael holds about 5.96 square miles, the 34th-largest water area in California.
• State share: roughly 0.2% of California's residents live in San Rafael (59,555 people).
• National rank: San Rafael is the 649th most populous of the 19,457 Census places covered here.
• Growth rank: San Rafael ranks 300th among California's 482 places for the 2020-to-2023 change.
• Versus California: the state average change is -1.3%, while San Rafael moved 2.8%.
• Density in California: San Rafael ranks 228th by people per square mile.
• Against the state median: San Rafael runs about 3,590 residents per square mile, where the California median is 3,455.
• Location: latitude 37.9810, longitude -122.5069 (Census Gazetteer).
• Nearest larger cities: Richmond (8 mi); Berkeley (14 mi); Vallejo (16 mi); Daly City (19 mi); Oakland (21 mi). Lenders licensed in the state serve San Rafael whether or not they keep a local branch.
• Smaller towns nearby: Larkspur (3 mi); Ross (3 mi); Corte Madera (3 mi).
• Smaller neighbours: 60 places smaller than San Rafael sit within 50 miles.
• At 100 miles: 50 larger Census places fall inside that radius.

Inside a San Rafael personal loan

With roughly 59,555 residents, San Rafael is a mid-sized city; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a San Rafael loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a San Rafael loan but raises total interest, so the smallest payment is not the cheapest loan.

How lenders reach San Rafael

With about 3,590 residents per square mile, San Rafael is fairly dense, and 30 larger Census places sit within 50 miles. What is available to San Rafael's 59,555 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 Richmond, CA about 8 miles away.

The geography behind San Rafael

San Rafael's land area is about 16.6 square miles; a further 5.96 square miles is water. Spread across it are roughly 3,590 residents per square mile. For the state's biggest city, Los Angeles, the distance is roughly 357 miles. San Rafael has 30 larger places within a 50-mile radius. Within the same 50 miles lie 60 smaller Census places.

Where San Rafael sits in California

Set beside California's 482 places, San Rafael ranks 150th by population and holds about 0.2% of the state total. Its 2020-to-2023 change ranks 300th of 482 California places, putting it near the 38th percentile for growth. By density, at about 3,590 people per square mile, it ranks 228th in California. The population moved by about 1,726 people between 2020 and 2023, a 2.8% shift.

California consumer-lending rules applied in San Rafael

The rows below set out what a licensed lender must follow in California, and so for San Rafael's roughly 59,555 residents.