Ukiah at a glance
- Population: 16,072 residents, the 322nd-largest of 482 places in California (US Census Bureau, Vintage 2023).
- 2020 Census base: 16,627 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: population fell about 3.3% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among California places: 322nd largest of 482 (US Census Bureau).
- Size percentile: ahead of around 33% of California places in population terms (US Census Bureau).
- Coordinates: it sits at 39.1475, -123.2049 in the US Census Bureau Gazetteer.
- Nearest larger cities: Clearlake, CA (33 mi); Windsor, CA (47 mi); Santa Rosa, CA (55 mi); Rohnert Park, CA (62 mi); Petaluma, CA (70 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Lakeport, CA (17 mi); Willits, CA (19 mi); Cloverdale, CA (26 mi) (US Census Bureau).
What a personal loan costs in Ukiah
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
California lending rules that apply in Ukiah
The table carries the California rate and licensing rules that apply to consumer loans made in Ukiah.
| 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 Ukiah
Before you share your details with a lender in Ukiah:
- 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.