Personal loans in Ontario, CA

In Ontario, one of 482 Census places in California, the figure to compare across lenders is the APR, not the advertised rate. Use the calculator on this page to price an amount and term before you commit in Ontario. Lenders active in Ontario report to a California supervisor, identified in the sourced rows below. The nearest larger city is Fontana, CA about 10 miles away.

Local context for Ontario

Only a few things actually differ by place — population, area, location, and the California rules a lender must follow — and they are below.

• Population: a Census-estimated 182,457, 25th among California's 482 places (Vintage 2023).
• Population trend: A gain of roughly 4.1% between 2020 and 2023.
• Absolute change: 7,192 residents added between 2020 and 2023.
• Size percentile: Ontario sits ahead of around 95% of California places, at 182,457 people.
• Population density: about 3,650 people per square mile (Census land area 50.0 sq mi).
• Land area: Ontario covers 50.0 square miles, the 28th-largest area among California's 482 places.
• Water area rank: Ontario ranks 249th among California's 482 places, with 0.03 sq mi.
• Share of California: Ontario holds about 0.6% of the state's population, some 182,457 people.
• National rank: Ontario is 138th of 19,457 places nationwide.
• Growth rank: Ontario ranks 41st among California's 482 places for the 2020-to-2023 change.
• Versus California: the state average change is -1.3%, while Ontario moved 4.1%.
• Density rank: Ontario places 220th among California's places by people per square mile.
• Density vs California: Ontario's 3,650 people per square mile compare with a state median of 3,455.
• Location: 34.0376, -117.6044 (Census Gazetteer coordinates).
• Nearest larger cities: Fontana (10 mi); Riverside (14 mi); Anaheim (15 mi); San Bernardino (19 mi); Moreno Valley (24 mi). Living near a larger metro rarely changes what is available in Ontario.
• Nearest smaller places: Chino (5 mi); Eastvale (5 mi); Montclair (6 mi).
• Smaller neighbours: 137 places smaller than Ontario sit within 50 miles.
• Larger places within 100 miles: 14.

Ontario against the rest of California

Against California's other places, Ontario accounts for about 0.6% of the state's population and ranks 25th of 482 by size. Its 2020-to-2023 change ranks 41st of 482 California places, putting it near the 91th percentile for growth. At about 3,650 people per square mile, Ontario is the 220th most densely settled place in California. By land area, its 50.0 square miles rank 28th of 482 places in California.

Land, water and location for Ontario

Inside Ontario's boundaries lie roughly 50.0 square miles of land and 0.03 square miles of water. The resulting density is about 3,650 people per square mile. The state's population centre of gravity, Los Angeles, is roughly 46 miles away. A 50-mile radius around Ontario takes in 11 places that are larger. The 100-mile radius contains 14 larger places.

What a Ontario borrower is actually offered

Most loans made to Ontario's 182,457 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Ontario can be quoted different APRs on the same amount and term. Shortening the term on a Ontario loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

The California lending rules that reach Ontario

The rows below set out what a licensed lender must follow in California, and so for Ontario's roughly 182,457 residents.

What is available to Ontario borrowers

At roughly 3,650 people per square mile, Ontario is fairly dense; 11 larger places lie within 50 miles. Distance to a branch rarely matters for Ontario's 182,457 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Fontana, CA about 10 miles away.