Personal loans in Benicia, CA

Lenders active in Benicia report to a California supervisor, identified in the sourced rows below. The Census counts 26,429 people in Benicia, the 260th-largest figure among California's 482 places. If debt is already a strain, a nonprofit credit counsellor can help Benicia residents before they take on more. Benicia shed about 2.6% of its population between the 2020 base and the 2023 estimate. For a bigger market, look to Martinez, CA about 6 miles away.

Local context for Benicia

Benicia is a smaller city; the notes below cover its population profile and the statewide rules that apply.

• Population: 26,429 people, a figure that places Benicia 260th among the 482 Census places in California (US Census Bureau, Vintage 2023).
• Population trend: A loss of roughly 2.6% between 2020 and 2023.
• Change in people: the 2020-to-2023 comparison is a loss of about 706 residents.
• Size percentile: roughly 46% of California's places have fewer residents than Benicia's 26,429.
• Population density: about 2,063 people per square mile across 12.8 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Benicia covers 12.8 square miles, the 182nd-largest area among California's 482 places.
• Water: Benicia holds about 1.31 square miles, the 64th-largest water area in California.
• State share: roughly 0.1% of California's residents live in Benicia (26,429 people).
• National rank: Benicia sits 1,474th by population among the 19,457 places in this dataset.
• Growth rank: Benicia ranks 287th among California's 482 places for the 2020-to-2023 change.
• Against the state trend: Benicia's 2.6% change compares with a California average of -1.3% across its 482 places.
• Density in California: Benicia ranks 361st by people per square mile.
• Density in context: Benicia's 2,063 people per square mile sit against a California median of 3,455.
• Location: coordinates 38.0727, -122.1552 (US Census Bureau Gazetteer).
• Nearest larger cities: Martinez (6 mi); Vallejo (6 mi); Hercules (8 mi); Pleasant Hill (9 mi); Concord (11 mi). Online lenders reach Benicia no matter how far the nearest branch is.
• Smaller places close by: American Canyon (9 mi); Pinole (10 mi); Lafayette (13 mi).
• Within a 50-mile radius: 40 smaller Census places.
• At 100 miles: 85 larger Census places fall inside that radius.

Benicia's place among California's 482 places

Within California, Benicia holds roughly 0.1% of all residents, the 260th-largest share among 482 places. Its 2020-to-2023 change ranks 287th of 482 California places, putting it near the 40th percentile for growth. Its roughly 2,063 residents per square mile place it 361st among California's places. By land area, its 12.8 square miles rank 182nd of 482 places in California.

Getting a loan in Benicia

At roughly 2,063 people per square mile, Benicia is fairly dense; 60 larger places lie within 50 miles. A California licence lets a lender serve Benicia without a local office, so branch density does not change what its 26,429 residents are offered. For a larger market, the closest option is Martinez, CA about 6 miles away.

How a Benicia personal loan is priced

Benicia is a smaller city of about 26,429 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Benicia's rank of 260th in California: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Benicia decides the split between a comfortable payment and the total interest you pay.

Benicia: area, density and distance

Inside Benicia's boundaries lie roughly 12.8 square miles of land and 1.31 square miles of water. The resulting density is about 2,063 people per square mile. The largest place in California, Los Angeles, lies about 349 miles away. A 50-mile radius around Benicia takes in 60 places that are larger. By land area it ranks 182nd of 482 California places.

What California law requires in Benicia

California has no separate rate rule for Benicia; the sourced rows below are what reach every lender that serves its 26,429 people.