Personal loans in San Joaquin, CA
San Joaquin is a small community in California, with an estimated 3,679 residents, and every licensed lender here follows the same state rulebook. Every figure below is California's own, applied to San Joaquin's 3,679 residents, with the publisher and retrieval date attached. The Census counts 3,679 people in San Joaquin, the 440th-largest figure among California's 482 places. Use the calculator on this page to price an amount and term before you commit in San Joaquin. San Joaquin lost roughly 1.9% of its population across the 2020-to-2023 comparison. The closest larger place is Kerman, CA about 11 miles away.
The San Joaquin data picture
Most of what governs a San Joaquin loan is written in California law rather than in the city; the sourced notes below make that split concrete.
- Population: 3,679 — San Joaquin ranks 440th of 482 communities in California (US Census Bureau, Vintage 2023).
- Population trend: Lower by roughly 1.9% since the 2020 count.
- People gained or lost: about 72 fewer since the 2020 base.
- Size percentile: about 9% of California's Census places are smaller than San Joaquin.
- Land and density: 1.2 square miles of land carry roughly 3,158 residents per square mile.
- By land area: San Joaquin ranks 463rd among California's 482 places, at 1.2 sq mi.
- Share of state population: San Joaquin's 3,679 residents are about 0.0% of California.
- Nationally: San Joaquin is the 5,678th-largest of 19,457 Census places in the dataset.
- Growth in California: San Joaquin stands 238th by percentage change from 2020 to 2023, among 482 places.
- State comparison: California's places average -1.3% for 2020-to-2023, against San Joaquin's 1.9%.
- Density rank: San Joaquin places 268th among California's places by people per square mile.
- Against the state median: San Joaquin runs about 3,158 residents per square mile, where the California median is 3,455.
- Location: latitude 36.6056, longitude -120.1898 (Census Gazetteer).
- Nearest larger cities: Kerman (11 mi); Mendota (15 mi); Firebaugh (23 mi); Fresno (25 mi); Madera (26 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller communities close by: San Juan Bautista (76 mi); Del Rey Oaks (91 mi); Sand City (92 mi), each with its own Census population profile.
- Smaller places within 50 miles: 0 of them.
- Larger places within 100 miles: 69.
San Joaquin on the map
San Joaquin covers about 1.2 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 3,158 people per square mile. Los Angeles, the largest place in California, is about 205 miles from San Joaquin. San Joaquin has 22 larger places within a 50-mile radius. Within the same 50 miles lie 0 smaller Census places.
What a San Joaquin borrower is actually offered
In San Joaquin, a small community of about 3,679, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in San Joaquin. The term you choose in San Joaquin decides the split between a comfortable payment and the total interest you pay.
California rules behind a San Joaquin personal loan
California has no separate rate rule for San Joaquin; the sourced rows below are what reach every lender that serves its 3,679 people.
| 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 |
| Small-loan / installment lender licensing | Finance lender/broker license required from the Commissioner of Financial Protection and Innovation (California Financing Law) Source says: "No person shall engage in the business of a finance lender or broker without obtaining a license from the commissioner". | California Legislature — Financial Code § 22100 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 |
Where San Joaquin sits in California
Against California's other places, San Joaquin accounts for about 0.0% of the state's population and ranks 440th of 482 by size. Its 2020-to-2023 change ranks 238th of 482 California places, putting it near the 51th percentile for growth. By density, at about 3,158 people per square mile, it ranks 268th in California. Within 50 miles sit 0 smaller Census places, alongside the 22 that are larger.
Borrowing reach in San Joaquin
San Joaquin is a fairly dense community of about 3,679 people, with 22 larger places inside a 50-mile radius. Distance to a branch rarely matters for San Joaquin's 3,679 residents: the application is online and the price follows your credit file. The nearest larger city, Kerman, CA about 11 miles away.
Common questions
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Nearby places
- Kerman, CA — population 17,238
- Mendota, CA — population 12,530
- Firebaugh, CA — population 8,547
- Madera, CA — population 68,079
- Huron, CA — population 6,377
- Fresno, CA — population 545,716
- Coalinga, CA — population 17,369
- Lemoore, CA — population 26,809