Personal loans in Tulelake, CA

With roughly 867 residents, Tulelake is a small community, and the lending rules its borrowers live under are written in California, not by the city.

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

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State law, not city hall, decides what a lender may do to Tulelake's roughly 867 residents, and a state regulator supervises it. The Census estimates 867 residents in Tulelake, which ranks it 470th of 482 places in California. Judge Tulelake offers on total cost, not on how quickly the money arrives. The trend for Tulelake between 2020 and 2023 is downward by roughly 3.9%. Borrowers who want a bigger city can look to Klamath Falls, OR about 24 miles away.

Tulelake by the numbers

Read the local figures below as context; read the sourced California table as the rulebook a lender here must follow.

Population: an estimated 867 residents, 470th of 482 places in California (Census Vintage 2023 subcounty estimate).
Population trend: A loss of roughly 3.9% between 2020 and 2023.
Net change: roughly 35 fewer people than the 2020 Census counted.
Size percentile: with 867 residents, Tulelake is larger than about 2% of California's Census places.
Density: roughly 2,115 residents per square mile, spread over 0.4 sq mi of land.
By land area: Tulelake ranks 480th among California's 482 places, at 0.4 sq mi.
State share: roughly 0.0% of California's residents live in Tulelake (867 people).
Nationally: Tulelake is the 10,844th-largest of 19,457 Census places in the dataset.
Growth rank: Tulelake ranks 369th among California's 482 places for the 2020-to-2023 change.
State comparison: California's places average -1.3% for 2020-to-2023, against Tulelake's 3.9%.
Density rank: Tulelake places 359th among California's places by people per square mile.
Against the state median: Tulelake runs about 2,115 residents per square mile, where the California median is 3,455.
Location: mapped by the US Census Bureau at 41.9535, -121.4749.
Nearest larger cities: Klamath Falls (24 mi); Montague (57 mi); Alturas (57 mi); Lakeview (60 mi); Weed (60 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
Nearest smaller towns: Malin (5 mi); Merrill (8 mi); Bonanza (17 mi).
Within a 50-mile radius: 5 smaller Census places.
Larger places within 100 miles: 19.

Getting a loan in Tulelake

Tulelake is a fairly dense community of about 867 people, with 1 larger places inside a 50-mile radius. What is available to Tulelake's 867 borrowers is set by California licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Klamath Falls, OR about 24 miles away.

California rules behind a Tulelake personal loan

These are California's sourced lending facts as they reach Tulelake's 867 residents; the state has no city-level rate rule.

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

Where Tulelake sits

Inside Tulelake's boundaries lie about 0.4 square miles of land, with no significant water area recorded. The resulting density is about 2,115 people per square mile. Los Angeles, the largest place in California, is about 573 miles from Tulelake. Tulelake has 1 larger places within a 50-mile radius. Within the same 50 miles lie 5 smaller Census places.

Tulelake against the rest of California

Among California's 482 places, Tulelake sits at 470th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Tulelake ranks 369th of 482 in California (about the 23th percentile). At about 2,115 people per square mile, Tulelake is the 359th most densely settled place in California. The population moved by about 35 people between 2020 and 2023, a 3.9% shift.

What shapes a Tulelake personal loan

A Tulelake personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 867 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Tulelake. Shortening the term on a Tulelake loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

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Common questions

What are my options in Tulelake 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 Tulelake is the same as anywhere in California.

What loan size can I expect in Tulelake?

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 Tulelake?

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 Tulelake 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

Malin, OR — population 741
Merrill, OR — population 834
Bonanza, OR — population 411
Klamath Falls, OR — population 21,888
Dorris, CA — population 832
Chiloquin, OR — population 769
Alturas, CA — population 2,657
Mount Shasta, CA — population 3,179