Personal loans in Palm Desert, CA

Borrowing in Palm Desert: the local picture

Palm Desert is a mid-sized city; the notes below cover its population profile and the statewide rules that apply.

• Population: about 51,951 people live here, which puts Palm Desert 171st of 482 Census places in California (Vintage 2023).
• Population trend: The 2020-to-2023 change is positive, near 1.5%.
• Net change: roughly 787 more people than the 2020 Census counted.
• Size percentile: about 65% of California's Census places are smaller than Palm Desert.
• Population density: about 1,940 people per square mile (Census land area 26.8 sq mi).
• Land area rank: Palm Desert's 26.8 square miles rank 79th of 482 places in California.
• Water area rank: Palm Desert ranks 131st among California's 482 places, with 0.20 sq mi.
• Share of California: Palm Desert holds about 0.2% of the state's population, some 51,951 people.
• National rank: Palm Desert sits 763rd by population among the 19,457 places in this dataset.
• Growth rank: Palm Desert ranks 91st among California's 482 places for the 2020-to-2023 change.
• State comparison: California's places average -1.3% for 2020-to-2023, against Palm Desert's 1.5%.
• Density rank: Palm Desert places 370th among California's places by people per square mile.
• Density vs California: Palm Desert's 1,940 people per square mile compare with a state median of 3,455.
• Location: 33.7376 / -116.3641, per the US Census Bureau Gazetteer.
• Nearest larger cities: Indio (7 mi); Cathedral City (9 mi); Beaumont (35 mi); Hemet (36 mi); San Jacinto (37 mi). Living near a larger metro rarely changes what is available in Palm Desert.
• Nearest smaller places: Indian Wells (3 mi); Rancho Mirage (4 mi); La Quinta (8 mi).
• Within a 50-mile radius: 11 smaller Census places.
• Larger places within 100 miles: 70.

How lenders reach Palm Desert

Palm Desert is a moderately settled community of about 51,951 people, with 11 larger places inside a 50-mile radius. Lenders licensed in California reach Palm Desert's 51,951 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Indio, CA about 7 miles away.

How Palm Desert compares across California

Palm Desert is the 171st-largest of 482 Census places in California and contains about 0.2% of the state's people. On the 2020-to-2023 trend, Palm Desert stands 91st among California's 482 places — roughly the 81th percentile. Its roughly 1,940 residents per square mile place it 370th among California's places. Between 2020 and 2023 the count changed by roughly 787 residents.

Which California laws govern a loan in Palm Desert

For the roughly 51,951 residents of Palm Desert, the rules below are California's own; each row carries its publisher and retrieval date.

Steps to take before a Palm Desert loan

Complete these steps first when you borrow in Palm Desert (51,951 residents):

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Confirm the California licence with the regulator named above before committing.
5. Be clear on what the loan is for and how it gets repaid.
6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

None of these steps is Palm Desert-specific: the same California licensing and disclosure rules reach all 51,951 residents.

Palm Desert on the map

Inside Palm Desert's boundaries lie roughly 26.8 square miles of land and 0.20 square miles of water. Spread across it are roughly 1,940 residents per square mile. For the state's biggest city, Los Angeles, the distance is roughly 119 miles. Counting outward 50 miles, 11 larger communities surround Palm Desert. By land area it ranks 79th of 482 California places.