Marysville at a glance
- Population: a Census-estimated 12,674, placing it 344th among California's 482 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 12,839 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: population fell about 1.3% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among California places: 344th-largest of 482 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 29% of California's places have fewer residents (US Census Bureau).
- Coordinates: 39.1515, -121.5834 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Yuba City, CA (3 mi); Oroville, CA (24 mi); Lincoln, CA (25 mi); Grass Valley, CA (29 mi); Rocklin, CA (30 mi) — straight-line distances, US Census Bureau populations.
- Smaller places close by: Live Oak, CA (10 mi); Wheatland, CA (13 mi); Gridley, CA (16 mi) (US Census Bureau).
What a personal loan costs in Marysville
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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 term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
California lending rules that apply in Marysville
The table carries the California rate and licensing rules that apply to consumer loans made in Marysville.
| 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 Marysville
Before you share your details with a lender in Marysville:
- 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.