Personal loans in Yucaipa, CA
Personal loans in Yucaipa are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 53,947 population. The Census estimates 53,947 residents in Yucaipa, which ranks it 166th of 482 places in California. The 2020 count to the 2023 estimate shows about 1.1% decline in Yucaipa. A single loan can carry different costs on either side of a state line, and Yucaipa sits on the California side of that line. Work out your debt-to-income ratio first; lenders weigh it heavily, and Yucaipa's 53,947 residents are no exception. For a bigger market, look to Redlands, CA about 7 miles away.
Yucaipa by the numbers
Here is the sourced Census picture for Yucaipa, plus the California lending rules that apply to a loan taken out here.
- Population: the Census counts 53,947 residents in Yucaipa (Vintage 2023 subcounty estimate), the 166th-largest figure among California's 482 places.
- Population trend: A decline of about 1.1% across the 2020-to-2023 comparison.
- Net change: roughly 603 fewer people than the 2020 Census counted.
- Size percentile: Yucaipa's 53,947 people outrank roughly 66% of the places in California.
- Population density: 1,909 people per square mile on 28.3 square miles of land.
- Land area rank: Yucaipa's 28.3 square miles rank 74th of 482 places in California.
- Within California: about 0.2% of the state's population lives in Yucaipa.
- Nationally: Yucaipa is the 740th-largest of 19,457 Census places in the dataset.
- Growth in California: Yucaipa stands 182nd by percentage change from 2020 to 2023, among 482 places.
- Versus California: the state average change is -1.3%, while Yucaipa moved 1.1%.
- Density rank: Yucaipa is the 372nd most densely settled place in California.
- Against the state median: Yucaipa runs about 1,909 residents per square mile, where the California median is 3,455.
- Location: it lies at 34.0336, -117.0429 in the Census Gazetteer.
- Nearest larger cities: Redlands (7 mi); Highland (9 mi); Beaumont (12 mi); Moreno Valley (12 mi); San Bernardino (16 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller towns: Calimesa (3 mi); Banning (10 mi); Loma Linda (12 mi) — useful context for the surrounding area.
- Within a 50-mile radius: 31 smaller Census places.
- Within 100 miles: 91 places are larger than Yucaipa.
Where Yucaipa sits
Inside Yucaipa's boundaries lie about 28.3 square miles of land, with no significant water area recorded. Spread across it are roughly 1,909 residents per square mile. The largest place in California, Los Angeles, lies about 78 miles away. A 50-mile radius around Yucaipa takes in 35 places that are larger. Within the same 50 miles lie 31 smaller Census places.
The state rulebook for Yucaipa
Every row below records a California rule, its publisher and its retrieval date — the same rules a Yucaipa lender must follow.
| 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 |
| 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 |
| 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 |
Steps to take before a Yucaipa loan
A sensible order of operations for a loan in Yucaipa, home to about 53,947 people:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Make sure the lender appears in the California regulator's licence list.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
- Make sure the new payment leaves room in a budget you already keep.
The process is identical across California; what changes is your credit file, not the fact that Yucaipa holds 53,947 people.
Getting a loan in Yucaipa
Yucaipa is a moderately settled community of about 53,947 people, with 35 larger places inside a 50-mile radius. Distance to a branch rarely matters for Yucaipa's 53,947 residents: the application is online and the price follows your credit file. The nearest bigger place is Redlands, CA about 7 miles away.
Yucaipa's place among California's 482 places
Yucaipa is the 166th-largest of 482 Census places in California and contains about 0.2% of the state's people. For population change between 2020 and 2023, Yucaipa ranks 182nd of 482 in California (about the 62th percentile). By density, at about 1,909 people per square mile, it ranks 372nd in California. By land area, its 28.3 square miles rank 74th of 482 places in California.
Common questions
What are my options in Yucaipa if my credit is poor?
What loan size can I expect in Yucaipa?
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Does comparing loans in Yucaipa cost me credit score points?
Nearby places
- Calimesa, CA — population 11,165
- Redlands, CA — population 72,556
- Highland, CA — population 56,202
- Banning, CA — population 31,680
- Beaumont, CA — population 58,463
- Moreno Valley, CA — population 212,392
- Loma Linda, CA — population 25,111
- San Jacinto, CA — population 55,440