Personal loans in Vallejo, CA
The roughly 122,807 people who live in Vallejo borrow under California rules; city hall sets no personal-loan rate. For a community of about 122,807, the practical step is to compare APR across at least three lenders before committing.
About 122,807 people live in Vallejo, placing it 50th of 482 Census places in California. A single loan can carry different costs on either side of a state line, and Vallejo sits on the California side of that line. The trend for Vallejo between 2020 and 2023 is downward by roughly 2.6%. A larger market lies at Oakland, CA about 23 miles away.
What the Census records for Vallejo
The figures below are Vallejo's own — Census population, land area and coordinates — followed by the California rules.
- Population: a Census-estimated 122,807, 50th among California's 482 places (Vintage 2023).
- Population trend: Lower by roughly 2.6% since the 2020 count.
- Absolute change: 3,278 residents lost between 2020 and 2023.
- Size percentile: roughly 90% of California's places have fewer residents than Vallejo's 122,807.
- Land and density: 30.4 square miles of land carry roughly 4,035 residents per square mile.
- By land area: Vallejo ranks 65th among California's 482 places, at 30.4 sq mi.
- Water area rank: Vallejo ranks 14th among California's 482 places, with 17.88 sq mi.
- Share of state population: Vallejo's 122,807 residents are about 0.4% of California.
- National standing: Vallejo ranks 227th of 19,457 US places.
- Growth in California: Vallejo stands 286th by percentage change from 2020 to 2023, among 482 places.
- State comparison: California's places average -1.3% for 2020-to-2023, against Vallejo's 2.6%.
- Density rank: Vallejo is the 187th most densely settled place in California.
- Density in context: Vallejo's 4,035 people per square mile sit against a California median of 3,455.
- Location: mapped by the US Census Bureau at 38.1069, -122.2623.
- Nearest larger cities: Oakland (23 mi); Santa Rosa (34 mi); Hayward (34 mi); Fremont (46 mi); San Francisco (49 mi). Online lenders reach Vallejo no matter how far the nearest branch is.
- Nearest smaller towns: American Canyon (5 mi); Hercules (6 mi); Benicia (6 mi).
- Smaller places within 50 miles: 85 of them.
- At 100 miles: 13 larger Census places fall inside that radius.
What California law requires in Vallejo
When California does not publish a figure, the row links to the source instead of inventing a number; Vallejo is bound by the same rules.
| 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 |
Land, water and location for Vallejo
Inside Vallejo's boundaries lie roughly 30.4 square miles of land and 17.88 square miles of water. The resulting density is about 4,035 people per square mile. The largest place in California, Los Angeles, lies about 355 miles away. Vallejo has 5 larger places within a 50-mile radius. The 100-mile radius contains 13 larger places.
What is available to Vallejo borrowers
At roughly 4,035 people per square mile, Vallejo is fairly dense; 5 larger places lie within 50 miles. Distance to a branch rarely matters for Vallejo's 122,807 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Oakland, CA about 23 miles away.
Vallejo in state context
Vallejo is the 50th-largest of 482 Census places in California and contains about 0.4% of the state's people. On the 2020-to-2023 trend, Vallejo stands 286th among California's 482 places — roughly the 41th percentile. By density, at about 4,035 people per square mile, it ranks 187th in California. In land area, Vallejo ranks 65th among California's 482 places.
Inside a Vallejo personal loan
Most loans made to Vallejo's 122,807 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Vallejo can be quoted different APRs on the same amount and term. The term you choose in Vallejo decides the split between a comfortable payment and the total interest you pay.
Common questions
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Nearby places
- American Canyon, CA — population 21,347
- Hercules, CA — population 26,582
- Benicia, CA — population 26,429
- Pinole, CA — population 18,481
- San Pablo, CA — population 31,249
- Richmond, CA — population 114,106
- Martinez, CA — population 36,395
- El Cerrito, CA — population 25,552