Personal loans in Lawndale, CA
A lender serving Lawndale holds a California licence and answers to a California regulator; no city office is involved for its 30,155 residents. With 30,155 residents, Lawndale outranks about 50% of the communities in California. For a bigger market, look to Hawthorne, CA about 2 miles away. Lawndale lost roughly 5.3% of its population across the 2020-to-2023 comparison. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Lawndale's 30,155 residents. Compare APR, not the interest rate, because the APR folds in most fees on a Lawndale loan.
Where Lawndale stands
Set out below is Lawndale's local context next to the state-level rules that reach every lender here.
- Population: the Census counts 30,155 residents in Lawndale (Vintage 2023 subcounty estimate), the 241st-largest figure among California's 482 places.
- Population trend: A drop of about 5.3% from 2020 to 2023.
- Absolute change: 1,671 residents lost between 2020 and 2023.
- Size percentile: Lawndale's 30,155 people outrank roughly 50% of the places in California.
- Population density: about 15,292 people per square mile across 2.0 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Lawndale covers 2.0 square miles, the 425th-largest area among California's 482 places.
- Share of state population: Lawndale's 30,155 residents are about 0.1% of California.
- National rank: Lawndale sits 1,313th by population among the 19,457 places in this dataset.
- Growth rank: Lawndale ranks 434th among California's 482 places for the 2020-to-2023 change.
- Versus California: the state average change is -1.3%, while Lawndale moved 5.3%.
- Density in California: Lawndale ranks 6th by people per square mile.
- Density in context: Lawndale's 15,292 people per square mile sit against a California median of 3,455.
- Location: mapped by the US Census Bureau at 33.8884, -118.3531.
- Nearest larger cities: Hawthorne (2 mi); Gardena (3 mi); Redondo Beach (4 mi); Manhattan Beach (4 mi); Torrance (4 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller communities close by: Hermosa Beach (3 mi); El Segundo (4 mi); Lomita (7 mi), each with its own Census population profile.
- Smaller places within 50 miles: 41 of them.
- Within 100 miles: 130 places are larger than Lawndale.
What to do before borrowing in Lawndale
A sensible order of operations for a loan in Lawndale, home to about 30,155 people:
- Start with the credit file: order the reports, fix the errors, then apply.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Get several pre-qualifications and compare APR side by side before choosing.
- Check the California regulator's records to confirm the lender is licensed here.
- Check that the monthly payment fits your budget next to your existing obligations.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
- Keep the amount to the expense; an approval is not a reason to take more.
The process is identical across California; what changes is your credit file, not the fact that Lawndale holds 30,155 people.
Borrowing reach in Lawndale
At roughly 15,292 people per square mile, Lawndale is densely built; 91 larger places lie within 50 miles. A California licence lets a lender serve Lawndale without a local office, so branch density does not change what its 30,155 residents are offered. The nearest bigger place is Hawthorne, CA about 2 miles away.
Which California laws govern a loan in Lawndale
The rows below set out what a licensed lender must follow in California, and so for Lawndale's roughly 30,155 residents.
| 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 |
| Maximum legal interest rate (usury cap) | 7% per annum default; written contracts may set up to 10% per annum for consumer-purpose loans Source says: "shall be 7 percent per annum"; "for use primarily for personal, family, or household purposes, at a rate not exceeding 10 percent per annum". | California Legislature — California Constitution, Article XV, § 1 as of 2026-09-16 |
| Payday lending status | Permitted under the California Deferred Deposit Transaction Law; max $300 face amount; fee ≤15%; term up to 31 days Source says: "The face amount of the check shall not exceed three hundred dollars ($300)"; "A fee for a deferred deposit transaction shall not exceed 15 percent of the face amount of the check" (Financial Code § 23036). | California Legislature — Financial Code § 23035 (and § 23036) as of 2026-09-16 |
Lawndale on the map
Lawndale covers about 2.0 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 30,155 residents, the land area yields roughly 15,292 people per square mile. The state's population centre of gravity, Los Angeles, is roughly 10 miles away. Lawndale has 91 larger places within a 50-mile radius. Within the same 50 miles lie 41 smaller Census places.
Lawndale in state context
Against California's other places, Lawndale accounts for about 0.1% of the state's population and ranks 241st of 482 by size. Its 2020-to-2023 change ranks 434th of 482 California places, putting it near the 10th percentile for growth. At about 15,292 people per square mile, Lawndale is the 6th most densely settled place in California. The population moved by about 1,671 people between 2020 and 2023, a 5.3% shift.
Common questions
What are my options in Lawndale if my credit is poor?
What loan size can I expect in Lawndale?
Do I have to pledge anything to borrow in Lawndale?
Does comparing loans in Lawndale cost me credit score points?
Nearby places
- Hawthorne, CA — population 83,364
- Gardena, CA — population 58,377
- Hermosa Beach, CA — population 18,641
- Torrance, CA — population 139,224
- Redondo Beach, CA — population 67,749
- Inglewood, CA — population 102,865
- Manhattan Beach, CA — population 33,369
- El Segundo, CA — population 16,445