Personal loans in Fillmore, CA
With 17,190 residents, Fillmore outranks about 34% of the communities in California. Fillmore is a small town of about 17,190 residents, and a personal loan taken out here is governed by California statute.
Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Fillmore loan. State law, not city hall, decides what a lender may do to Fillmore's roughly 17,190 residents, and a state regulator supervises it. A 2020-to-2023 comparison shows Fillmore up by about 4.7%. For a bigger market, look to Moorpark, CA about 8 miles away.
Fillmore: the sourced local profile
Two layers matter for a Fillmore borrower: the local population picture and California's consumer-lending statutes.
- Population: 17,190 people, a figure that places Fillmore 316th among the 482 Census places in California (US Census Bureau, Vintage 2023).
- Population trend: Higher by roughly 4.7% since the 2020 count.
- Change in people: the 2020-to-2023 comparison is a gain of about 767 residents.
- Size percentile: roughly 34% of California places rank below Fillmore.
- Population density: about 5,204 people per square mile across 3.3 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Fillmore's 3.3 square miles rank 374th of 482 places in California.
- State population share: Fillmore accounts for about 0.1% of everyone in California.
- National rank: Fillmore is the 2,135th most populous of the 19,457 Census places covered here.
- Growth in California: Fillmore stands 36th by percentage change from 2020 to 2023, among 482 places.
- Versus California: the state average change is -1.3%, while Fillmore moved 4.7%.
- Density rank: Fillmore is the 122nd most densely settled place in California.
- Density in context: Fillmore's 5,204 people per square mile sit against a California median of 3,455.
- Location: 34.3990 / -118.9175, per the US Census Bureau Gazetteer.
- Nearest larger cities: Moorpark (8 mi); Santa Paula (9 mi); Simi Valley (13 mi); Camarillo (14 mi); Thousand Oaks (14 mi). Larger metros often have more branches, but online lenders reach Fillmore on the same terms.
- Smaller communities close by: Westlake Village (19 mi); Ojai (19 mi); Hidden Hills (22 mi), each with its own Census population profile.
- Within a 50-mile radius: 8 smaller Census places.
- Within 100 miles: 136 places are larger than Fillmore.
Land, water and location for Fillmore
Fillmore's land area is roughly 3.3 square miles, and the Gazetteer records no significant water area within it. That land carries about 5,204 people per square mile. For the state's biggest city, Los Angeles, the distance is roughly 39 miles. Counting outward 50 miles, 34 larger communities surround Fillmore. Within the same 50 miles lie 8 smaller Census places.
What California law requires in Fillmore
Below are the California rules that apply to a loan made in Fillmore, each with the regulator that issued it.
| 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 |
| 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 |
A practical checklist for Fillmore borrowers
These steps shape the offer you get in Fillmore, a place of about 17,190 people:
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Test your amount and term in the personal loan calculator first.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Check the California regulator's records to confirm the lender is licensed here.
- Test the payment against your current bills before you commit.
- Weigh a shorter term's higher payment against the interest it saves.
- Keep the amount to the expense; an approval is not a reason to take more.
In Fillmore as elsewhere in California, the written terms — not the advertisement — are what count for its 17,190 residents.
Where Fillmore sits in California
Within California, Fillmore holds roughly 0.1% of all residents, the 316th-largest share among 482 places. Its 2020-to-2023 change ranks 36th of 482 California places, putting it near the 93th percentile for growth. At about 5,204 people per square mile, Fillmore is the 122nd most densely settled place in California. By land area, its 3.3 square miles rank 374th of 482 places in California.
Borrowing reach in Fillmore
At roughly 5,204 people per square mile, Fillmore is densely built; 34 larger places lie within 50 miles. A California licence lets a lender serve Fillmore without a local office, so branch density does not change what its 17,190 residents are offered. The nearest larger city, Moorpark, CA about 8 miles away.
Common questions
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Nearby places
- Moorpark, CA — population 35,543
- Santa Paula, CA — population 31,792
- Thousand Oaks, CA — population 123,463
- Camarillo, CA — population 69,514
- Simi Valley, CA — population 125,113
- Westlake Village, CA — population 7,573
- Agoura Hills, CA — population 19,474
- Ojai, CA — population 7,466