San Marino at a glance
- Population: about 11,977, 353rd by size in California of 482 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 12,508 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: 353rd largest of 482 (US Census Bureau).
- Size percentile: roughly 27% of California's places have fewer residents (US Census Bureau).
- Coordinates: 34.1227, -118.1129 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: San Gabriel, CA (2 mi); South Pasadena, CA (3 mi); Pasadena, CA (3 mi); Alhambra, CA (3 mi); Temple City, CA (3 mi); US Census Bureau population estimates.
- Nearest smaller communities: Sierra Madre, CA (5 mi); Bradbury, CA (9 mi); Irwindale, CA (9 mi) (Census populations).
What a personal loan costs in San Marino
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
California lending rules that apply in San Marino
The table carries the California rate and licensing rules that apply to consumer loans made in San Marino.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in San Marino
The order below is a sensible way to approach a loan in San Marino:
- 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.