Personal loans in Dunsmuir, CA
Which products a lender may offer to Dunsmuir's 1,642 residents follows from the California consumer-lending framework. At about 1,642 residents, Dunsmuir is larger than roughly 5% of the places in California.
Two households in Dunsmuir with comparable incomes can still be offered different rates; the city's 1,642 residents are not the reason. Dunsmuir lost roughly 3.8% of its population across the 2020-to-2023 comparison. Work out your debt-to-income ratio first; lenders weigh it heavily, and Dunsmuir's 1,642 residents are no exception. The next larger city is Mount Shasta, CA about 7 miles away.
Dunsmuir by the numbers
Dunsmuir is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: the Census counts 1,642 residents in Dunsmuir (Vintage 2023 subcounty estimate), the 460th-largest figure among California's 482 places.
- Population trend: A drop of about 3.8% from 2020 to 2023.
- Absolute change: 64 residents lost between 2020 and 2023.
- Size percentile: bigger than about 5% of the places in California, with 1,642 residents in Dunsmuir.
- Population density: about 1,024 people per square mile across 1.6 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Dunsmuir ranks 448th among California's 482 places, at 1.6 sq mi.
- Water: Dunsmuir holds about 0.04 square miles, the 241st-largest water area in California.
- Within California: about 0.0% of the state's population lives in Dunsmuir.
- National rank: Dunsmuir is the 8,368th most populous of the 19,457 Census places covered here.
- Growth rank: Dunsmuir's 2020-to-2023 change ranks 365th of 482 places in California.
- State comparison: California's places average -1.3% for 2020-to-2023, against Dunsmuir's 3.8%.
- Density in California: Dunsmuir ranks 433rd by people per square mile.
- Against the state median: Dunsmuir runs about 1,024 residents per square mile, where the California median is 3,455.
- Location: latitude 41.2315, longitude -122.2709 (Census Gazetteer).
- Nearest larger cities: Mount Shasta (7 mi); Weed (14 mi); Shasta Lake (39 mi); Yreka (39 mi); Redding (46 mi). Online lenders reach Dunsmuir no matter how far the nearest branch is.
- Nearest smaller towns: Etna (36 mi); Montague (37 mi); Fort Jones (39 mi).
- Within a 50-mile radius: 3 smaller Census places.
- At 100 miles: 22 larger Census places fall inside that radius.
How California law applies in Dunsmuir
For the roughly 1,642 residents of Dunsmuir, 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 |
| 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 |
How a Dunsmuir personal loan is priced
Most loans made to Dunsmuir's 1,642 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Dunsmuir loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Dunsmuir decides the split between a comfortable payment and the total interest you pay.
Dunsmuir: area, density and distance
The Census Gazetteer records 1.6 square miles of land and 0.04 square miles of water within Dunsmuir. That land carries about 1,024 people per square mile. The largest place in California, Los Angeles, lies about 541 miles away. Within 50 miles of Dunsmuir there are 5 larger Census places. By land area it ranks 448th of 482 California places.
What is available to Dunsmuir borrowers
Dunsmuir is moderately settled, with about 1,024 people per square mile and 5 larger places within 50 miles. Lenders licensed in California reach Dunsmuir's 1,642 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Mount Shasta, CA about 7 miles away.
Dunsmuir's place among California's 482 places
Dunsmuir is the 460th-largest of 482 Census places in California and contains about 0.0% of the state's people. For population change between 2020 and 2023, Dunsmuir ranks 365th of 482 in California (about the 24th percentile). By density, at about 1,024 people per square mile, it ranks 433rd in California. Within 50 miles sit 3 smaller Census places, alongside the 5 that are larger.
Common questions
What are my options in Dunsmuir if my credit is poor?
What loan size can I expect in Dunsmuir?
Do I have to pledge anything to borrow in Dunsmuir?
Does comparing loans in Dunsmuir cost me credit score points?
Nearby places
- Mount Shasta, CA — population 3,179
- Weed, CA — population 2,574
- Montague, CA — population 1,182
- Shasta Lake, CA — population 10,262
- Yreka, CA — population 7,808
- Etna, CA — population 653
- Redding, CA — population 92,727
- Fort Jones, CA — population 673