Huntington Park at a glance
- Population: a Census-estimated 51,942, placing it 172nd among California's 482 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 54,886 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: down about 5.4% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among California places: 172nd in population of 482 places (US Census Bureau).
- Size percentile: about 64% of California's Census places are smaller (US Census Bureau).
- Coordinates: latitude 33.9792, longitude -118.2174 (US Census Bureau Gazetteer).
- Nearest larger cities: South Gate, CA (3 mi); Lynwood, CA (4 mi); Downey, CA (6 mi); Compton, CA (6 mi); Montebello, CA (7 mi) (Census populations, approximate straight-line distance).
- Smaller places close by: Vernon, CA (2 mi); Maywood, CA (2 mi); Bell, CA (2 mi) (US Census Bureau).
What a personal loan costs in Huntington Park
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
California lending rules that apply in Huntington Park
The table lists the California rules that apply to a loan made in Huntington Park, each with the regulator that published it.
| 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 Huntington Park
A few practical steps will make the process in Huntington Park 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.