Personal loans in Hughson, CA
With roughly 7,683 residents, Hughson is a small town, and the lending rules its borrowers live under are written in California, not by the city. With an estimated 7,683 residents, Hughson is the 395th-largest of 482 places in California.
Hughson added about 2.7% to its population between the 2020 base and the 2023 estimate. Which products a lender may offer to Hughson's 7,683 residents follows from the California consumer-lending framework. Pull your credit reports and line up at least three offers before you apply from Hughson. A larger market lies at Ceres, CA about 6 miles away.
Hughson: population, trend and location
Read the local figures below as context; read the sourced California table as the rulebook a lender here must follow.
- Population: a Census-estimated 7,683, 395th among California's 482 places (Vintage 2023).
- Population trend: A gain of roughly 2.7% between 2020 and 2023.
- Absolute change: 200 residents added between 2020 and 2023.
- Size percentile: about 18% of California's Census places are smaller than Hughson.
- Population density: about 4,031 people per square mile across 1.9 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Hughson's 1.9 square miles rank 430th of 482 places in California.
- State population share: Hughson accounts for about 0.0% of everyone in California.
- Nationally: Hughson is the 3,770th-largest of 19,457 Census places in the dataset.
- Growth rank: Hughson's 2020-to-2023 change ranks 59th of 482 places in California.
- Against the state trend: Hughson's 2.7% change compares with a California average of -1.3% across its 482 places.
- Density rank: Hughson places 188th among California's places by people per square mile.
- Density in context: Hughson's 4,031 people per square mile sit against a California median of 3,455.
- Location: 37.6021, -120.8660 (US Census Bureau Gazetteer).
- Nearest larger cities: Ceres (6 mi); Turlock (7 mi); Waterford (7 mi); Modesto (8 mi); Riverbank (10 mi). Larger metros often have more branches, but online lenders reach Hughson on the same terms.
- Smaller communities close by: Escalon (15 mi); Gustine (25 mi); Angels (37 mi), each with its own Census population profile.
- Smaller neighbours: 5 places smaller than Hughson sit within 50 miles.
- Larger places within 100 miles: 135.
Hughson's place among California's 482 places
Among California's 482 places, Hughson sits at 395th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Hughson ranks 59th of 482 in California (about the 88th percentile). At about 4,031 people per square mile, Hughson is the 188th most densely settled place in California. In land area, Hughson ranks 430th among California's 482 places.
California consumer-lending rules applied in Hughson
California has no separate rate rule for Hughson; the sourced rows below are what reach every lender that serves its 7,683 people.
| 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 lenders reach Hughson
With about 4,031 residents per square mile, Hughson is fairly dense, and 20 larger Census places sit within 50 miles. Distance to a branch rarely matters for Hughson's 7,683 residents: the application is online and the price follows your credit file. The nearest bigger place is Ceres, CA about 6 miles away.
Land, water and location for Hughson
Hughson covers about 1.9 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 4,031 people per square mile. For the state's biggest city, Los Angeles, the distance is roughly 283 miles. A 50-mile radius around Hughson takes in 20 places that are larger. By land area it ranks 430th of 482 California places.
Inside a Hughson personal loan
Most loans made to Hughson's 7,683 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Hughson can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Hughson loan is knowable in advance — unlike a revolving card balance.
Common questions
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Does comparing loans in Hughson cost me credit score points?
Nearby places
- Turlock, CA — population 72,100
- Ceres, CA — population 48,397
- Waterford, CA — population 9,323
- Modesto, CA — population 218,915
- Riverbank, CA — population 25,001
- Oakdale, CA — population 23,045
- Escalon, CA — population 7,355
- Livingston, CA — population 14,643