- Payday loans in Port Hueneme follow California law (California Deferred Deposit Transaction Law).
- Borrowing $300 at the state maximum costs $45 fee on a $300 check, so you receive $255.
- The nearest larger city is Oxnard, about 3 miles away.
Port Hueneme at a glance
| Port Hueneme | |
|---|---|
| Population (2024 Census estimate) | 21,325 |
| Change since 2020 | -2.8% (shrinking) |
| County | Ventura County |
| Size rank among 480 California places we cover | 293rd |
| Nearest larger city | Oxnard (about 3 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Ventura County | 4 |
| Other towns within 25 miles | 10 (about 617,212 residents) |
| Typical payday APR statewide (CRL 2023) | 460% |
Payday lending in Port Hueneme follows California state law. Lenders that serve Port Hueneme, in a store or online, must be licensed by the California Department of Financial Protection and Innovation (DFPI).
Credit unions near Port Hueneme
No credit union has its main office in Port Hueneme, but these are based elsewhere in Ventura County (NCUA, June 2026):
- Oceanair Federal Credit Union in Oxnard (federal charter — may offer payday alternative loans (PALs))
- County Schools Federal Credit Union in Ventura (federal charter — may offer payday alternative loans (PALs))
- Valley Agricultural Federal Credit Union in Santa Paula (federal charter — may offer payday alternative loans (PALs))
- Ventura County Credit Union in Ventura (state charter)
Only federal credit unions can offer payday alternative loans (PALs), capped at 28% APR; state-chartered credit unions often have their own small-loan products. Membership rules apply, and only main offices are listed here; find branches near you with the NCUA Credit Union Locator. See how PALs work.
Payday loan rules that apply in Port Hueneme
The main California rules for a payday loan in Port Hueneme: maximum check: $300 (so the most you can receive is $255); maximum fee: 15% of the check amount ($45 on $300); loan term: up to 31 days. See the full California payday loan rules.
What a $300 loan costs in Port Hueneme
At California’s maximum fee, borrowing $300 costs $45 fee on a $300 check, so you receive $255. Statewide, the typical APR on a $400 payday loan was 460% (Center for Responsible Lending, June 2023). Check any offer with our payday loan calculator.
Other help in Ventura County before you borrow
- Call or text 211 for help with rent, utilities and food in Ventura County.
- Ask a federal credit union about a PAL: $200–$2,000 at no more than 28% APR (how PALs work).
- Check your bank app for a small-dollar loan or early pay (bank options).
- Try a cash advance app if you have direct deposit (apps compared).
Towns near Port Hueneme
- Oxnard · 3 mi
- San Buenaventura (Ventura) · 8 mi
- Camarillo · 11 mi
- Santa Paula · 15 mi
- Thousand Oaks · 19 mi
- Ojai · 20 mi
The nearest larger city is Oxnard, about 3 miles away. See all 480 California cities.
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in Port Hueneme?
Yes. Payday loans are legal in Port Hueneme under California state law, and lenders must be licensed by the California Department of Financial Protection and Innovation (DFPI).
How much does a payday loan cost in Port Hueneme?
At California’s maximum fee, borrowing $300 costs $45 fee on a $300 check, so you receive $255. The typical statewide APR was 460% in 2023.
Where is the nearest credit union to Port Hueneme?
No credit union is headquartered in Port Hueneme, but Oceanair Federal Credit Union is based in Oxnard, also in Ventura County.
Sources
- U.S. Census Bureau — City and town population totals, Vintage 2024
- U.S. Census Bureau — 2024 Gazetteer files (place locations)
- NCUA — Credit union call report data, June 2026 (FOICU)
- California DFPI — Deferred Deposit Transaction Law report
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary