Needles at a glance
- Population: a Census-estimated 4,824, placing it 433rd among California's 482 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 4,929 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: down roughly 2.1% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among California places: the 433rd-largest of 482 (US Census Bureau, 2023 estimate).
- Size percentile: about 10% of California's Census places are smaller (US Census Bureau).
- Coordinates: it sits at 34.8134, -114.6266 in the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Bullhead City, AZ (22 mi); Lake Havasu City, AZ (28 mi); Kingman, AZ (45 mi); Boulder City, NV (73 mi); Blythe, CA (80 mi) (US Census Bureau).
- Smaller towns nearby: Parker, AZ (58 mi); Quartzsite, AZ (83 mi) (US Census Bureau).
What a personal loan costs in Needles
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.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
California lending rules that apply in Needles
The sourced rows below are the rules a licensed lender must follow when lending in California, and therefore in Needles.
| 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 Needles
Here is a short checklist for comparing personal loans in Needles:
- 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.