Yountville at a glance
- Population: a Census-estimated 3,356, placing it 442nd among California's 482 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 3,429 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a loss of about 2.1% since the 2020 count (US Census Bureau).
- Rank among California places: 442nd in population of 482 places (US Census Bureau).
- Size percentile: it is larger than about 8% of the places in California (US Census Bureau).
- Coordinates: it sits at 38.3935, -122.3655 in the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Napa, CA (7 mi); Sonoma, CA (9 mi); St. Helena, CA (10 mi); American Canyon, CA (16 mi); Calistoga, CA (18 mi) (US Census Bureau).
- Smaller places close by: Ross, CA (32 mi); Belvedere, CA (36 mi); Isleton, CA (44 mi) (US Census Bureau).
What a personal loan costs in Yountville
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
California lending rules that apply in Yountville
The California rate caps and licensing rules that reach Yountville are listed below, each with its source and retrieval date.
| 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 Yountville
The steps below are worth completing first when you borrow in Yountville:
- 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.