Personal loans in Pasadena, CA

If you are weighing a personal loan in Pasadena, start from the payment you can carry; its 133,560 residents face the same statewide rules. Population in Pasadena dropped about 3.7% over the three years from 2020 to 2023.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Pasadena is home to roughly 133,560 people and stands 45th by size out of 482 Census places in California. Use the calculator on this page to price an amount and term before you commit in Pasadena. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Pasadena's 133,560 residents. The next larger city is Glendale, CA about 6 miles away.

Pasadena: the sourced local profile

Most of what governs a Pasadena loan is written in California law rather than in the city; the sourced notes below make that split concrete.

California rules behind a Pasadena personal loan

This table holds the California rate and licensing rules for consumer loans made to Pasadena's 133,560 residents.

RuleDetailSource
State lending regulatorCalifornia 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
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
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

What a Pasadena borrower is actually offered

Pasadena is a sizable city of about 133,560 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Pasadena's rank of 45th in California: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Pasadena loan is knowable in advance — unlike a revolving card balance.

What is available to Pasadena borrowers

Pasadena is a densely built community of about 133,560 people, with 21 larger places inside a 50-mile radius. Distance to a branch rarely matters for Pasadena's 133,560 residents: the application is online and the price follows your credit file. The nearest larger city, Glendale, CA about 6 miles away.

Land, water and location for Pasadena

The Census Gazetteer records 23.0 square miles of land and 0.14 square miles of water within Pasadena. Spread across it are roughly 5,817 residents per square mile. The state's population centre of gravity, Los Angeles, is roughly 18 miles away. Within 50 miles of Pasadena there are 21 larger Census places. By land area it ranks 101st of 482 California places.

Pasadena against the rest of California

Within California, Pasadena holds roughly 0.4% of all residents, the 45th-largest share among 482 places. Its 2020-to-2023 change ranks 361st of 482 California places, putting it near the 25th percentile for growth. At about 5,817 people per square mile, Pasadena is the 102nd most densely settled place in California. By land area, its 23.0 square miles rank 101st of 482 places in California.

Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Pasadena if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Pasadena is the same as anywhere in California.
What loan size can I expect in Pasadena?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Pasadena?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Pasadena cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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