Personal loans in Arcadia, CA
Personal loans in Arcadia are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 54,157 population. Arcadia shed about 4.4% of its population between the 2020 base and the 2023 estimate.
The Census estimates 54,157 residents in Arcadia, which ranks it 165th of 482 places in California. Judge Arcadia offers on total cost, not on how quickly the money arrives. Every figure below is California's own, applied to Arcadia's 54,157 residents, with the publisher and retrieval date attached. The closest larger city is El Monte, CA about 4 miles away.
Arcadia: population, trend and location
Arcadia is a mid-sized city; the notes below cover its population profile and the statewide rules that apply.
- Population: 54,157 people, a figure that places Arcadia 165th among the 482 Census places in California (US Census Bureau, Vintage 2023).
- Population trend: The 2020-to-2023 change is negative, near 4.4%.
- Change in people: the 2020-to-2023 comparison is a loss of about 2,508 residents.
- Size percentile: about 66% of California communities are smaller than Arcadia (54,157 residents).
- Density: roughly 4,956 residents per square mile, spread over 10.9 sq mi of land.
- Land area: Arcadia covers 10.9 square miles, the 202nd-largest area among California's 482 places.
- Water area rank: Arcadia ranks 129th among California's 482 places, with 0.21 sq mi.
- State share: roughly 0.2% of California's residents live in Arcadia (54,157 people).
- National rank: Arcadia is 737th of 19,457 places nationwide.
- Growth rank: Arcadia's 2020-to-2023 change ranks 391st of 482 places in California.
- State comparison: California's places average -1.3% for 2020-to-2023, against Arcadia's 4.4%.
- Density in California: Arcadia ranks 141st by people per square mile.
- Density vs California: Arcadia's 4,956 people per square mile compare with a state median of 3,455.
- Location: 34.1327, -118.0363 (Census Gazetteer coordinates).
- Nearest larger cities: El Monte (4 mi); Baldwin Park (5 mi); Pasadena (6 mi); Alhambra (7 mi); Monterey Park (8 mi). Online lenders reach Arcadia no matter how far the nearest branch is.
- Nearest smaller towns: Temple City (2 mi); Sierra Madre (3 mi); Monrovia (4 mi) — useful context for the surrounding area.
- Smaller neighbours: 77 places smaller than Arcadia sit within 50 miles.
- Within 100 miles: 88 places are larger than Arcadia.
How lenders reach Arcadia
At roughly 4,956 people per square mile, Arcadia is fairly dense; 68 larger places lie within 50 miles. Lenders licensed in California reach Arcadia's 54,157 residents online, so the nearest branch is not what sets your APR. The nearest larger city, El Monte, CA about 4 miles away.
Arcadia: area, density and distance
Arcadia's land area is about 10.9 square miles; a further 0.21 square miles is water. With 54,157 residents, the land area yields roughly 4,956 people per square mile. The state's population centre of gravity, Los Angeles, is roughly 23 miles away. Arcadia has 68 larger places within a 50-mile radius. The 100-mile radius contains 88 larger places.
How a Arcadia personal loan is priced
Arcadia is a mid-sized city of about 54,157 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Arcadia can be quoted different APRs on the same amount and term. Shortening the term on a Arcadia loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Arcadia against the rest of California
Against California's other places, Arcadia accounts for about 0.2% of the state's population and ranks 165th of 482 by size. On the 2020-to-2023 trend, Arcadia stands 391st among California's 482 places — roughly the 19th percentile. By density, at about 4,956 people per square mile, it ranks 141st in California. Between 2020 and 2023 the count changed by roughly 2,508 residents.
What California law requires in Arcadia
Below are the California rules that apply to a loan made in Arcadia, 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 |
Common questions
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Nearby places
- Temple City, CA — population 34,854
- Sierra Madre, CA — population 10,713
- El Monte, CA — population 103,794
- Monrovia, CA — population 36,768
- Bradbury, CA — population 892
- San Gabriel, CA — population 37,732
- Irwindale, CA — population 1,426
- San Marino, CA — population 11,977