Personal loans in Mill Valley, CA
Population in Mill Valley dropped about 3.1% over the three years from 2020 to 2023. About 13,792 people live in Mill Valley, placing it 335th of 482 Census places in California. Mill Valley, California — home to about 13,792 people — is a small town, so the terms you are offered follow California law rather than any local rule. Work out your debt-to-income ratio first; lenders weigh it heavily, and Mill Valley's 13,792 residents are no exception. To lend to Mill Valley's 13,792 residents, a company must hold a California licence, and each sourced row below names the regulator behind it. The closest larger place is San Rafael, CA about 5 miles away.
Mill Valley: the sourced local profile
Read the local figures below as context; read the sourced California table as the rulebook a lender here must follow.
- Population: 13,792 people, a figure that places Mill Valley 335th among the 482 Census places in California (US Census Bureau, Vintage 2023).
- Population trend: About 3.1% below the 2020 Census base.
- Absolute change: 437 residents lost between 2020 and 2023.
- Size percentile: bigger than about 30% of the places in California, with 13,792 residents in Mill Valley.
- Land and density: 4.8 square miles of land carry roughly 2,884 residents per square mile.
- By land area: Mill Valley ranks 329th among California's 482 places, at 4.8 sq mi.
- Water: Mill Valley holds about 0.08 square miles, the 190th-largest water area in California.
- State population share: Mill Valley accounts for about 0.0% of everyone in California.
- National rank: Mill Valley is 2,508th of 19,457 places nationwide.
- Growth rank: Mill Valley ranks 316th among California's 482 places for the 2020-to-2023 change.
- Against the state trend: Mill Valley's 3.1% change compares with a California average of -1.3% across its 482 places.
- Density in California: Mill Valley ranks 297th by people per square mile.
- Against the state median: Mill Valley runs about 2,884 residents per square mile, where the California median is 3,455.
- Location: it lies at 37.9081, -122.5423 in the Census Gazetteer.
- Nearest larger cities: San Rafael (5 mi); Richmond (10 mi); San Pablo (12 mi); Novato (12 mi); Albany (12 mi). Larger metros often have more branches, but online lenders reach Mill Valley on the same terms.
- Nearest smaller places: Larkspur (2 mi); Corte Madera (2 mi); Ross (4 mi).
- Smaller places within 50 miles: 26 of them.
- Larger places within 100 miles: 106.
California rules behind a Mill Valley personal loan
The rows below set out what a licensed lender must follow in California, and so for Mill Valley's roughly 13,792 residents.
| 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 |
| 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 |
The geography behind Mill Valley
Mill Valley's land area is about 4.8 square miles; a further 0.08 square miles is water. That land carries about 2,884 people per square mile. For the state's biggest city, Los Angeles, the distance is roughly 354 miles. Mill Valley has 64 larger places within a 50-mile radius. Within the same 50 miles lie 26 smaller Census places.
Mill Valley's place among California's 482 places
Among California's 482 places, Mill Valley sits at 335th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 316th of 482 California places, putting it near the 34th percentile for growth. At about 2,884 people per square mile, Mill Valley is the 297th most densely settled place in California. In land area, Mill Valley ranks 329th among California's 482 places.
How lenders reach Mill Valley
Mill Valley is fairly dense, with about 2,884 people per square mile and 64 larger places within 50 miles. Whether Mill Valley has a local branch or not, a California-licensed lender can serve its 13,792 people online on the same terms. The nearest larger city, San Rafael, CA about 5 miles away.
How a Mill Valley personal loan is priced
In Mill Valley, a small town of about 13,792, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Mill Valley's rank of 335th in California: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Mill Valley loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Common questions
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Nearby places
- Larkspur, CA — population 12,589
- Corte Madera, CA — population 9,947
- Ross, CA — population 2,290
- Sausalito, CA — population 7,021
- San Anselmo, CA — population 12,498
- Belvedere, CA — population 2,050
- San Rafael, CA — population 59,555
- Tiburon, CA — population 8,846