Loans in Ventura County, CA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Ventura County, CA.
The median household in Ventura County earns $109,797 a year, 11% above the California median of $99,122. About 9% of residents live below the federal poverty line, and 35.4% of households rent their home.
What you need for a payday loan in Ventura County
Lenders that serve Ventura County typically ask for the following:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Ventura County
What Ventura County borrowers use it for
gifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Ventura County
Payday Loans Legal
Payday loans are legal in California under the California Deferred Deposit Transaction Law (CDDTL), from lenders licensed by the DFPI.
Personal Loans
Under $2,500: tiered 12%-30%/yr.
Title Loans Legal
Car-title loans are legal in California as California Financing Law (CFL) loans.
Banks and credit unions in Ventura County
Banks with branches in Ventura County
122 FDIC-insured bank branches from 22 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Wells Fargo Bank, National Association | 23 | 3965 E Thousand Oaks Blvd, Thousand Oaks 91362 |
| JPMorgan Chase Bank, National Association | 20 | 2398 Sycamore Dr, Simi Valley 93065 |
| Bank of America, National Association | 17 | 205 W Ojai Ave, Ojai 93023 |
| U.S. Bank National Association | 13 | 33 W Thousand Oaks Blvd, Thousand Oaks 91360 |
| Mechanics Bank | 7 | 1207 Maricopa Hwy, Ojai 93023 |
| Citibank, National Association | 7 | 3967 E Thousand Oaks Blvd, Westlake Village 91362 |
| Citizens Business Bank, National Association | 5 | 3260 Telegraph Rd, Ventura 93003 |
| Bank of the Sierra | 4 | 901 E Main St, Santa Paula 93060 |
| Montecito Bank & Trust | 4 | 4730 Telephone Rd, Ventura 93003 |
| Banc of California | 3 | 101 S Chestnut St, Ventura 93001 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Ventura County
41 credit-union locations from 13 credit unions.
| Credit union | Location |
|---|---|
| Communityamerica | 4950 Verdugo Way, Camarillo 93012 |
| Oceanair | 300 Arneill Rd, Camarillo 93010 |
| Navy Federal Credit Union | 441 N Mugu Rd Bldg Pm-16, Point Mugu Nawc 93042 |
| Schoolsfirst | 5280 Valentine Rd, Ventura 93003 |
| Baxter | 1700 Rancho Conejo Blvd, Newbury Park 91320 |
| Wescom Central | 1660 E Gonzales Rd, Oxnard 93036 |
| Logix | 1855 Cochran St Ste 108, Simi Valley 93065 |
| Kinecta | 550 N Moorpark Rd, Thousand Oaks 91360 |
| Premier America | 1778 Erringer Rd, Simi Valley 93065 |
| Ventura County | 6026 Telephone Rd, Ventura 93003 |
| Firefighters First | 191 W Wilbur Rd Ste 101, Thousand Oaks 91360 |
| County Schools | 3954 E Main St, Ventura 93003 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Ventura County
All California counties and cities
Frequently asked questions
Are payday loans legal in Ventura County?
Ventura County follows California law. Payday loans are legal in California under the California Deferred Deposit Transaction Law (CDDTL), from lenders licensed by the DFPI.
Are title loans legal in Ventura County?
Car-title loans are legal in California as California Financing Law (CFL) loans.
Where can I get a small loan in Ventura County?
Options include 122 bank and 41 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Ventura County?
Fill out our short online form from anywhere in Ventura County. We share it with lenders in our network that serve California; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I get a loan in Ventura County with bad credit?
Yes, many lenders in our network work with Ventura County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.
Where can I get a loan in Ventura County, CA?
You can apply at banks, credit unions and lenders in Ventura County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve California residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I apply for a loan online in Ventura County?
Yes. You don't need to visit a branch or storefront anywhere in Ventura County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve California. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Can I get a loan in Ventura County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Ventura County residents can start any time, and it takes about 3 minutes.