Culver City at a glance
- Population: a Census-estimated 39,041, placing it 206th among California's 482 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 40,767 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a decline of roughly 4.2% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among California places: 206th of 482 by population (US Census Bureau, Vintage 2023).
- Size percentile: it exceeds roughly 57% of California's Census places by population (US Census Bureau).
- Coordinates: latitude 34.0058, longitude -118.3968 (US Census Bureau Gazetteer).
- Nearest larger cities: Los Angeles, CA (1 mi); Inglewood, CA (5 mi); Santa Monica, CA (6 mi); Hawthorne, CA (7 mi); Gardena, CA (9 mi); US Census Bureau population estimates.
- Smaller places close by: Beverly Hills, CA (5 mi); West Hollywood, CA (6 mi); El Segundo, CA (7 mi) (US Census Bureau).
What a personal loan costs in Culver City
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
California lending rules that apply in Culver City
The table carries the California rate and licensing rules that apply to consumer loans made in Culver City.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
| 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 |
| 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 |
How to compare offers in Culver City
A few practical steps will make the process in Culver City less costly:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in California using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.