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Personal loans in Richmond, CA

Richmond ranks 55th of 482 places in California, with a population near 114,106. Population in Richmond dropped about 1.9% over the three years from 2020 to 2023. With roughly 114,106 residents, Richmond is a sizable city, and the lending rules its borrowers live under are written in California, not by the city. When California caps or restricts a product, lenders either change the terms or withdraw it from Richmond as from the rest of the state. Judge Richmond offers on total cost, not on how quickly the money arrives. For a bigger market, look to Berkeley, CA about 7 miles away.

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.

Richmond by the numbers

Read the local figures below as context; read the sourced California table as the rulebook a lender here must follow.

Where Richmond sits in California

Richmond is the 55th-largest of 482 Census places in California and contains about 0.4% of the state's people. Its 2020-to-2023 change ranks 236th of 482 California places, putting it near the 51th percentile for growth. By density, at about 3,798 people per square mile, it ranks 208th in California. Within 50 miles sit 81 smaller Census places, alongside the 12 that are larger.

Borrowing reach in Richmond

At roughly 3,798 people per square mile, Richmond is fairly dense; 12 larger places lie within 50 miles. Distance to a branch rarely matters for Richmond's 114,106 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Berkeley, CA about 7 miles away.

What California law requires in Richmond

California has no separate rate rule for Richmond; the sourced rows below are what reach every lender that serves its 114,106 people.

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

Where Richmond sits

The Census Gazetteer records 30.0 square miles of land and 22.47 square miles of water within Richmond. With 114,106 residents, the land area yields roughly 3,798 people per square mile. Los Angeles, the largest place in California, is about 350 miles from Richmond. Counting outward 50 miles, 12 larger communities surround Richmond. By land area it ranks 68th of 482 California places.

What shapes a Richmond personal loan

Most loans made to Richmond's 114,106 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Richmond's rank of 55th in California: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Richmond loan but raises total interest, so the smallest payment is not the cheapest loan.

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 Richmond 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 Richmond is the same as anywhere in California.
What loan size can I expect in Richmond?
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 Richmond?
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 Richmond 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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