Personal loans in Lindsay, CA
With roughly 12,496 residents, Lindsay is a small town, and the lending rules its borrowers live under are written in California, not by the city. About 12,496 people live in Lindsay, placing it 350th of 482 Census places in California.
From the 2020 Census base to the 2023 estimate, the population declined by about 1.2%. To lend to Lindsay's 12,496 residents, a company must hold a California licence, and each sourced row below names the regulator behind it. Compare APR, not the interest rate, because the APR folds in most fees on a Lindsay loan. A larger market lies at Porterville, CA about 11 miles away.
Local context for Lindsay
Read the local figures below as context; read the sourced California table as the rulebook a lender here must follow.
- Population: 12,496 — Lindsay ranks 350th of 482 communities in California (US Census Bureau, Vintage 2023).
- Population trend: About 1.2% below the 2020 Census base.
- Change in people: the 2020-to-2023 comparison is a loss of about 153 residents.
- Size percentile: bigger than about 27% of the places in California, with 12,496 residents in Lindsay.
- Population density: 4,290 people per square mile on 2.9 square miles of land.
- By land area: Lindsay ranks 390th among California's 482 places, at 2.9 sq mi.
- Within California: about 0.0% of the state's population lives in Lindsay.
- National standing: Lindsay ranks 2,697th of 19,457 US places.
- Growth rank: Lindsay ranks 187th among California's 482 places for the 2020-to-2023 change.
- Against the state trend: Lindsay's 1.2% change compares with a California average of -1.3% across its 482 places.
- Density in California: Lindsay ranks 167th by people per square mile.
- Against the state median: Lindsay runs about 4,290 residents per square mile, where the California median is 3,455.
- Location: coordinates 36.2091, -119.0933 (US Census Bureau Gazetteer).
- Nearest larger cities: Porterville (11 mi); Tulare (14 mi); Visalia (15 mi); Corcoran (28 mi); Dinuba (29 mi). Online lenders reach Lindsay no matter how far the nearest branch is.
- Nearest smaller towns: Exeter (7 mi); Farmersville (9 mi); Woodlake (14 mi).
- Within a 50-mile radius: 5 smaller Census places.
- Larger places within 100 miles: 28.
What a Lindsay borrower is actually offered
In Lindsay, a small town of about 12,496, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Lindsay's 12,496 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Lindsay loan is knowable in advance — unlike a revolving card balance.
What California law requires in Lindsay
When California does not publish a figure, the row links to the source instead of inventing a number; Lindsay is bound by the same rules.
| 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 |
| 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 |
Getting a loan in Lindsay
Lindsay is fairly dense, with about 4,290 people per square mile and 15 larger places within 50 miles. What is available to Lindsay's 12,496 borrowers is set by California licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Porterville, CA about 11 miles away.
Land, water and location for Lindsay
Inside Lindsay's boundaries lie about 2.9 square miles of land, with no significant water area recorded. Spread across it are roughly 4,290 residents per square mile. The state's population centre of gravity, Los Angeles, is roughly 156 miles away. Lindsay has 15 larger places within a 50-mile radius. The 100-mile radius contains 28 larger places.
How Lindsay compares across California
Set beside California's 482 places, Lindsay ranks 350th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Lindsay ranks 187th of 482 in California (about the 61th percentile). By density, at about 4,290 people per square mile, it ranks 167th in California. Within 50 miles sit 5 smaller Census places, alongside the 15 that are larger.
Common questions
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Nearby places
- Exeter, CA — population 10,206
- Farmersville, CA — population 10,243
- Porterville, CA — population 62,876
- Woodlake, CA — population 7,846
- Tulare, CA — population 71,092
- Visalia, CA — population 144,998
- Dinuba, CA — population 25,863
- Orange Cove, CA — population 9,497