Personal loans in Temple City, CA

Temple City counts about 34,854 people, and what is genuinely local about borrowing here is limited — California law does the governing. Lenders active in Temple City report to a California supervisor, identified in the sourced rows below.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

About 34,854 people live in Temple City, placing it 220th of 482 Census places in California. Read the disclosure for an origination fee and any prepayment penalty before signing in Temple City. From the 2020 Census base to the 2023 estimate, the population declined by about 4.5%. A larger market lies at San Gabriel, CA about 2 miles away.

Temple City by the numbers

Two layers matter for a Temple City borrower: the local population picture and California's consumer-lending statutes.

Population: an estimated 34,854 residents, 220th of 482 places in California (Census Vintage 2023 subcounty estimate).
Population trend: About 4.5% below the 2020 Census base.
Net change: roughly 1,626 fewer people than the 2020 Census counted.
Size percentile: about 54% of California communities are smaller than Temple City (34,854 residents).
Population density: about 8,703 people per square mile across 4.0 square miles of land (Census Gazetteer area, Vintage 2023 population).
By land area: Temple City ranks 346th among California's 482 places, at 4.0 sq mi.
State share: roughly 0.1% of California's residents live in Temple City (34,854 people).
National rank: Temple City is 1,147th of 19,457 places nationwide.
Growth rank: Temple City's 2020-to-2023 change ranks 392nd of 482 places in California.
State comparison: California's places average -1.3% for 2020-to-2023, against Temple City's 4.5%.
Density rank: Temple City places 43rd among California's places by people per square mile.
Density in context: Temple City's 8,703 people per square mile sit against a California median of 3,455.
Location: coordinates 34.1022, -118.0580 (US Census Bureau Gazetteer).
Nearest larger cities: San Gabriel (2 mi); Arcadia (2 mi); El Monte (3 mi); Rosemead (3 mi); Alhambra (5 mi). Larger metros often have more branches, but online lenders reach Temple City on the same terms.
Smaller places nearby: San Marino (3 mi); South El Monte (4 mi); Sierra Madre (5 mi).
Within a 50-mile radius: 50 smaller Census places.
Larger places within 100 miles: 120.

How a Temple City personal loan is priced

Most loans made to Temple City's 34,854 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Temple City's 34,854 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Temple City decides the split between a comfortable payment and the total interest you pay.

How lenders reach Temple City

With about 8,703 residents per square mile, Temple City is densely built, and 92 larger Census places sit within 50 miles. What is available to Temple City's 34,854 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 San Gabriel, CA about 2 miles away.

Temple City: area, density and distance

Inside Temple City's boundaries lie about 4.0 square miles of land, with no significant water area recorded. With 34,854 residents, the land area yields roughly 8,703 people per square mile. The state's population centre of gravity, Los Angeles, is roughly 21 miles away. Within 50 miles of Temple City there are 92 larger Census places. The 100-mile radius contains 120 larger places.

How Temple City compares across California

Against California's other places, Temple City accounts for about 0.1% of the state's population and ranks 220th of 482 by size. For population change between 2020 and 2023, Temple City ranks 392nd of 482 in California (about the 19th percentile). Its roughly 8,703 residents per square mile place it 43rd among California's places. Between 2020 and 2023 the count changed by roughly 1,626 residents.

California rules behind a Temple City personal loan

For the roughly 34,854 residents of Temple City, 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

Compare personal loan offers Run the numbers first

Common questions

What are my options in Temple City if my credit is poor?

Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Temple City is the same as anywhere in California.

What loan size can I expect in Temple City?

Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.

Do I have to pledge anything to borrow in Temple City?

For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.

Does comparing loans in Temple City cost me credit score points?

Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

Arcadia, CA — population 54,157
El Monte, CA — population 103,794
San Gabriel, CA — population 37,732
Rosemead, CA — population 49,305
South El Monte, CA — population 19,032
San Marino, CA — population 11,977
Sierra Madre, CA — population 10,713
Alhambra, CA — population 79,776