Del Rey Oaks at a glance
- Population: about 1,550 residents, ranking 461st of 482 Census places in California (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 1,592 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: roughly 2.6% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among California places: 461st in population of 482 places (US Census Bureau).
- Size percentile: it is larger than about 4% of the places in California (US Census Bureau).
- Coordinates: 36.5897 latitude, -121.8295 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Seaside, CA (3 mi); Monterey, CA (3 mi); Carmel-by-the-Sea, CA (6 mi); Pacific Grove, CA (6 mi); Marina, CA (7 mi) (US Census Bureau populations).
- Nearest smaller places: Sand City, CA (2 mi); Colma, CA (83 mi); Isleton, CA (109 mi) (US Census Bureau estimates).
What a personal loan costs in Del Rey Oaks
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
California lending rules that apply in Del Rey Oaks
Each row below is a California rule with its publisher and the date it was retrieved.
| 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 Del Rey Oaks
A few practical steps will make the process in Del Rey Oaks 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.