Personal loans in Ferndale, CA

With roughly 1,389 residents, Ferndale is a small community, and the lending rules its borrowers live under are written in California, not by the city. An estimated 1,389 people make their home in Ferndale, a figure that ranks 464th in California. A 2020-to-2023 comparison shows Ferndale down by about 0.9%. Use the calculator on this page to price an amount and term before you commit in Ferndale. The closest larger city is Fortuna, CA about 6 miles away.

The Ferndale data picture

Two layers matter for a Ferndale borrower: the local population picture and California's consumer-lending statutes.

• Population: about 1,389, ranked 464th of 482 places in California (Census Vintage 2023 subcounty estimate).
• Population trend: Down about 0.9% from the 2020 Census base to the 2023 estimate.
• Change in people: the 2020-to-2023 comparison is a loss of about 13 residents.
• Size percentile: roughly 4% of California places rank below Ferndale.
• Density: roughly 1,152 residents per square mile, spread over 1.2 sq mi of land.
• By land area: Ferndale ranks 460th among California's 482 places, at 1.2 sq mi.
• Share of state population: Ferndale's 1,389 residents are about 0.0% of California.
• National standing: Ferndale ranks 8,978th of 19,457 US places.
• Growth in California: Ferndale stands 162nd by percentage change from 2020 to 2023, among 482 places.
• Against the state trend: Ferndale's 0.9% change compares with a California average of -1.3% across its 482 places.
• Density rank: Ferndale places 423rd among California's places by people per square mile.
• Density vs California: Ferndale's 1,152 people per square mile compare with a state median of 3,455.
• Location: 40.5781, -124.2612 (US Census Bureau Gazetteer).
• Nearest larger cities: Fortuna (6 mi); Rio Dell (10 mi); Eureka (16 mi); Arcata (22 mi); Crescent City (82 mi). Lenders licensed in the state serve Ferndale whether or not they keep a local branch.
• Smaller towns nearby: Blue Lake (25 mi); Trinidad (34 mi); Etna (94 mi).
• Within a 50-mile radius: 2 smaller Census places.
• At 100 miles: 9 larger Census places fall inside that radius.

The Ferndale borrowing checklist

Before you apply in Ferndale, a community of about 1,389, work through these steps:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Shop at least three lenders and judge them on APR and total cost.
4. Check the California regulator's records to confirm the lender is licensed here.
5. Check that the monthly payment fits your budget next to your existing obligations.
6. Weigh a shorter term's higher payment against the interest it saves.
7. Borrow only what the purpose requires, not the maximum you are offered.

None of these steps is Ferndale-specific: the same California licensing and disclosure rules reach all 1,389 residents.

How a Ferndale personal loan is priced

A Ferndale personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,389 residents. Federal Truth in Lending rules require a Ferndale lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Ferndale loan is knowable in advance — unlike a revolving card balance.

California consumer-lending rules applied in Ferndale

For the roughly 1,389 residents of Ferndale, the rules below are California's own; each row carries its publisher and retrieval date.

Getting a loan in Ferndale

With about 1,152 residents per square mile, Ferndale is moderately settled, and 4 larger Census places sit within 50 miles. Lenders licensed in California reach Ferndale's 1,389 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Fortuna, CA about 6 miles away.

Land, water and location for Ferndale

Ferndale's land area is roughly 1.2 square miles, and the Gazetteer records no significant water area within it. That land carries about 1,152 people per square mile. The state's population centre of gravity, Los Angeles, is roughly 555 miles away. Ferndale has 4 larger places within a 50-mile radius. The 100-mile radius contains 9 larger places.