Personal loans in Walnut, CA
Walnut is a smaller city of about 27,104 residents, and a personal loan taken out here is governed by California statute. By population, Walnut sits at 255th in California, with an estimated 27,104 residents.
Rate-shopping from Walnut costs nothing at pre-qualification, where a soft pull leaves your credit file alone. The trend for Walnut between 2020 and 2023 is downward by roughly 4.7%. Which products a lender may offer to Walnut's 27,104 residents follows from the California consumer-lending framework. The nearest larger metro is Diamond Bar, CA about 3 miles away.
Where Walnut stands
The figures below are Walnut's own — Census population, land area and coordinates — followed by the California rules.
- Population: the Census counts 27,104 residents in Walnut (Vintage 2023 subcounty estimate), the 255th-largest figure among California's 482 places.
- Population trend: The 2020-to-2023 change is negative, near 4.7%.
- Change in people: the 2020-to-2023 comparison is a loss of about 1,333 residents.
- Size percentile: bigger than about 47% of the places in California, with 27,104 residents in Walnut.
- Population density: about 3,015 people per square mile across 9.0 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Walnut covers 9.0 square miles, the 232nd-largest area among California's 482 places.
- State share: roughly 0.1% of California's residents live in Walnut (27,104 people).
- National standing: Walnut ranks 1,444th of 19,457 US places.
- Growth rank: Walnut's 2020-to-2023 change ranks 402nd of 482 places in California.
- State comparison: California's places average -1.3% for 2020-to-2023, against Walnut's 4.7%.
- Density rank: Walnut is the 281st most densely settled place in California.
- Density in context: Walnut's 3,015 people per square mile sit against a California median of 3,455.
- Location: 34.0372 / -117.8556, per the US Census Bureau Gazetteer.
- Nearest larger cities: Diamond Bar (3 mi); West Covina (3 mi); Covina (4 mi); San Dimas (6 mi); Pomona (6 mi). Larger metros often have more branches, but online lenders reach Walnut on the same terms.
- Smaller communities within reach: Industry (5 mi); La Habra Heights (8 mi); Irwindale (8 mi).
- Smaller places within 50 miles: 38 of them.
- At 100 miles: 140 larger Census places fall inside that radius.
How Walnut compares across California
Against California's other places, Walnut accounts for about 0.1% of the state's population and ranks 255th of 482 by size. Its 2020-to-2023 change ranks 402nd of 482 California places, putting it near the 17th percentile for growth. Its roughly 3,015 residents per square mile place it 281st among California's places. The population moved by about 1,333 people between 2020 and 2023, a 4.7% shift.
What is available to Walnut borrowers
Walnut is a fairly dense community of about 27,104 people, with 110 larger places inside a 50-mile radius. What is available to Walnut's 27,104 borrowers is set by California licensing and your own credit, not by how many branches are nearby. The nearest larger city, Diamond Bar, CA about 3 miles away.
The California lending rules that reach Walnut
Below are the California rules that apply to a loan made in Walnut, each with the regulator that issued it.
| 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 |
What shapes a Walnut personal loan
In Walnut, a smaller city of about 27,104, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Walnut's rank of 255th in California: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Walnut loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
The geography behind Walnut
The Census Gazetteer records about 9.0 square miles of land within Walnut, with no significant water area listed. Spread across it are roughly 3,015 residents per square mile. The state's population centre of gravity, Los Angeles, is roughly 32 miles away. Walnut has 110 larger places within a 50-mile radius. The 100-mile radius contains 140 larger places.
Common questions
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Nearby places
- Diamond Bar, CA — population 52,041
- West Covina, CA — population 105,617
- Covina, CA — population 48,728
- San Dimas, CA — population 33,105
- Industry, CA — population 257
- Pomona, CA — population 145,502
- La Puente, CA — population 36,516
- Glendora, CA — population 49,934