Half Moon Bay at a glance
- Population: a Census-estimated 11,105, placing it 361st among California's 482 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 11,803 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: roughly 5.9% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among California places: 361st of 482 by population (US Census Bureau, Vintage 2023).
- Size percentile: it exceeds roughly 25% of California's Census places by population (US Census Bureau).
- Coordinates: 37.4673 / -122.4405, per the US Census Bureau Gazetteer.
- Nearest larger cities: Belmont, CA (9 mi); Millbrae, CA (9 mi); Burlingame, CA (9 mi); San Mateo, CA (10 mi); San Carlos, CA (10 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Hillsborough, CA (8 mi); Woodside, CA (10 mi); Atherton, CA (13 mi) — US Census Bureau populations.
What a personal loan costs in Half Moon Bay
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 Half Moon Bay
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Half Moon Bay
A few practical steps will make the process in Half Moon Bay 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.