Temple City at a glance
- Population: the Census estimates 34,854 residents, ranking 220th of 482 places in California (Vintage 2023).
- 2020 Census base: the 2020 count put the population at 36,480 (US Census Bureau).
- 2020 to 2023 change: a loss of about 4.5% since the 2020 count (US Census Bureau).
- Rank among California places: 220th-largest of 482 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it exceeds roughly 54% of California's Census places by population (US Census Bureau).
- Coordinates: latitude 34.1022, longitude -118.0580 (US Census Bureau Gazetteer).
- Nearest larger cities: San Gabriel, CA (2 mi); Arcadia, CA (2 mi); El Monte, CA (3 mi); Rosemead, CA (3 mi); Alhambra, CA (5 mi); US Census Bureau population estimates.
- Smaller places nearby: San Marino, CA (3 mi); South El Monte, CA (4 mi); Sierra Madre, CA (5 mi), per US Census Bureau estimates.
What a personal loan costs in Temple City
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
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.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
California lending rules that apply in Temple City
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 |
| 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 |
| 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 |
How to compare offers in Temple City
Before you commit to a personal loan in Temple City, work through these steps:
- 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.