Chino at a glance
- Population: about 93,114, 81st by size in California of 482 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 91,389 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: a gain of roughly 1.9% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among California places: 81st by size among 482 communities (US Census Bureau).
- Size percentile: it exceeds roughly 83% of California's Census places by population (US Census Bureau).
- Coordinates: mapped at 33.9780, -117.6577 by the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Ontario, CA (5 mi); Pomona, CA (8 mi); Corona, CA (10 mi); Anaheim, CA (10 mi); Jurupa Valley, CA (11 mi) (US Census Bureau).
- Nearest smaller towns: Eastvale, CA (4 mi); Chino Hills, CA (5 mi); Montclair, CA (7 mi) (US Census Bureau).
What a personal loan costs in Chino
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
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.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
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 Chino
The table lists the California rules that apply to a loan made in Chino, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Chino
A few practical steps will make the process in Chino 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.