Inglewood at a glance
- Population: about 102,865, 69th by size in California of 482 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 107,765 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: down roughly 4.5% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among California places: 69th largest of 482 (US Census Bureau).
- Size percentile: it exceeds roughly 86% of California's Census places by population (US Census Bureau).
- Coordinates: it sits at 33.9561, -118.3443 in the US Census Bureau Gazetteer.
- Nearest larger cities: Los Angeles, CA (6 mi); Torrance, CA (9 mi); Downey, CA (12 mi); Long Beach, CA (16 mi); Glendale, CA (17 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Hawthorne, CA (3 mi); Culver City, CA (5 mi); Lawndale, CA (5 mi) — US Census Bureau populations.
What a personal loan costs in Inglewood
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
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.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
California lending rules that apply in Inglewood
Read the table as the compliance picture for a lender serving Inglewood: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Inglewood
The order below is a sensible way to approach a loan in Inglewood:
- 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.