Moorpark at a glance
- Population: a Census-estimated 35,543, placing it 219th among California's 482 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 36,290 residents here (US Census Bureau).
- 2020 to 2023 change: about 2.1% lower than the 2020 Census base (US Census Bureau).
- Rank among California places: 219th out of 482 Census places (US Census Bureau).
- Size percentile: ahead of around 55% of California places in population terms (US Census Bureau).
- Coordinates: 34.2859, -118.8770 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Thousand Oaks, CA (6 mi); Simi Valley, CA (7 mi); Camarillo, CA (10 mi); Oxnard, CA (20 mi); San Buenaventura (Ventura), CA (22 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Fillmore, CA (8 mi); Westlake Village, CA (11 mi); Agoura Hills, CA (11 mi) (Census populations).
What a personal loan costs in Moorpark
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
California lending rules that apply in Moorpark
The California rate caps and licensing rules that reach Moorpark are listed below, each with its source and retrieval date.
| 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 Moorpark
These steps are the ones that most affect the offer you receive in Moorpark:
- 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.