Personal loans in Twentynine Palms, CA
Every figure below is California's own, applied to Twentynine Palms's 28,734 residents, with the publisher and retrieval date attached.
Twentynine Palms is a smaller city of about 28,734 residents, and a personal loan taken out here is governed by California statute. By population, Twentynine Palms sits at 250th in California, with an estimated 28,734 residents. Population in Twentynine Palms climbed about 2.4% over the three years from 2020 to 2023. Verify the lender's California licence against the regulator named below before borrowing in Twentynine Palms. The closest larger city is Desert Hot Springs, CA about 30 miles away.
Where Twentynine Palms stands
Two layers matter for a Twentynine Palms borrower: the local population picture and California's consumer-lending statutes.
- Population: the Census counts 28,734 residents in Twentynine Palms (Vintage 2023 subcounty estimate), the 250th-largest figure among California's 482 places.
- Population trend: Roughly 2.4% more residents than the 2020 Census counted.
- Change in people: the 2020-to-2023 comparison is a gain of about 667 residents.
- Size percentile: bigger than about 48% of the places in California, with 28,734 residents in Twentynine Palms.
- Density: roughly 489 residents per square mile, spread over 58.7 sq mi of land.
- By land area: Twentynine Palms ranks 21st among California's 482 places, at 58.7 sq mi.
- Share of California: Twentynine Palms holds about 0.1% of the state's population, some 28,734 people.
- Nationally: Twentynine Palms is the 1,361st-largest of 19,457 Census places in the dataset.
- Growth rank: Twentynine Palms's 2020-to-2023 change ranks 69th of 482 places in California.
- Against the state trend: Twentynine Palms's 2.4% change compares with a California average of -1.3% across its 482 places.
- Density rank: Twentynine Palms places 466th among California's places by people per square mile.
- Density vs California: Twentynine Palms's 489 people per square mile compare with a state median of 3,455.
- Location: 34.1478, -116.0660 (US Census Bureau Gazetteer).
- Nearest larger cities: Desert Hot Springs (30 mi); Indio (30 mi); Cathedral City (31 mi); Coachella (32 mi); Palm Desert (33 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller towns nearby: Yucca Valley (20 mi); Rancho Mirage (34 mi); Indian Wells (34 mi).
- Smaller places within 50 miles: 4 of them.
- Larger places within 100 miles: 55.
What is available to Twentynine Palms borrowers
At roughly 489 people per square mile, Twentynine Palms is lightly settled; 8 larger places lie within 50 miles. A California licence lets a lender serve Twentynine Palms without a local office, so branch density does not change what its 28,734 residents are offered. The nearest bigger place is Desert Hot Springs, CA about 30 miles away.
The anatomy of a Twentynine Palms personal loan
A Twentynine Palms personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 28,734 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Twentynine Palms. The term you choose in Twentynine Palms decides the split between a comfortable payment and the total interest you pay.
How Twentynine Palms compares across California
Within California, Twentynine Palms holds roughly 0.1% of all residents, the 250th-largest share among 482 places. For population change between 2020 and 2023, Twentynine Palms ranks 69th of 482 in California (about the 86th percentile). At about 489 people per square mile, Twentynine Palms is the 466th most densely settled place in California. Between 2020 and 2023 the count changed by roughly 667 residents.
Where Twentynine Palms sits
Twentynine Palms covers about 58.7 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 489 people per square mile. The largest place in California, Los Angeles, lies about 134 miles away. Twentynine Palms has 8 larger places within a 50-mile radius. By land area it ranks 21st of 482 California places.
What California law requires in Twentynine Palms
The rows below set out what a licensed lender must follow in California, and so for Twentynine Palms's roughly 28,734 residents.
| 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 |
| 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 |
| Payday lending status | Permitted under the California Deferred Deposit Transaction Law; max $300 face amount; fee ≤15%; term up to 31 days Source says: "The face amount of the check shall not exceed three hundred dollars ($300)"; "A fee for a deferred deposit transaction shall not exceed 15 percent of the face amount of the check" (Financial Code § 23036). | California Legislature — Financial Code § 23035 (and § 23036) as of 2026-09-16 |
Common questions
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Nearby places
- Yucca Valley, CA — population 21,664
- Indio, CA — population 93,057
- Coachella, CA — population 43,590
- Cathedral City, CA — population 52,356
- Palm Desert, CA — population 51,951
- Desert Hot Springs, CA — population 33,438
- Indian Wells, CA — population 4,862
- Rancho Mirage, CA — population 17,795