Clatskanie at a glance
- Population: 1,753 people, the 132nd-largest place among Oregon's 240 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,719 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: population rose about 2.0% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Oregon places: the 132nd-largest of 240 (US Census Bureau, 2023 estimate).
- Size percentile: about 45% of Oregon's Census places are smaller (US Census Bureau).
- Coordinates: 46.1046, -123.2045 (Census Gazetteer, US Census Bureau).
- Nearest larger cities (within 120 miles): Longview, WA (12 mi); Rainier, OR (13 mi); Kelso, WA (15 mi); Vernonia, OR (17 mi); Kalama, WA (18 mi) (US Census Bureau populations).
- Nearest smaller places: Cathlamet, WA (11 mi); Prescott, OR (16 mi); Vader, WA (24 mi) (US Census Bureau estimates).
What a personal loan costs in Clatskanie
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
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.
Oregon lending rules that apply in Clatskanie
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| Payday lending status | Legal for licensed payday/title lenders; term 31-60 days; one-time 10% origination fee capped at $30; interest limited to 36%/yr; max APR 153.77%. Source says: "Interest rates are limited to 36 percent annually. The maximum APR (interest and fees) is 153.77 percent"; "A one-time 10 percent loan origination fee, up to a maximum of $30 for a new loan"; "The payday or title loan must be for at least 31 days and not longer than 60 days." | Oregon Division of Financial Regulation as of 2026-09-16 |
| Small-loan / installment lender licensing | Consumer finance license required to make consumer finance loans of $50,000 or less; license issued by the Director of the Department of Consumer and Business Services. Source says: "a consumer finance loan of $50,000 or less... unless the person first obtains a license under this chapter" (ORS 725.045). | Oregon Legislative Assembly (Oregon Revised Statutes) as of 2026-09-16 |
| State lending regulator | Oregon Division of Financial Regulation (Department of Consumer and Business Services) Source says: "Protecting Oregonians' access to fair products and services through education, regulation, and consumer assistance." | Oregon Division of Financial Regulation as of 2026-09-16 |
| Unlicensed lending consequence (state-specific rule) | Unlicensed consumer finance loans are void and uncollectible (principal, interest, fees). Source says: "the consumer finance loan is void... may not... collect, receive or retain principal, interest, a fee or a charge related to... the consumer finance loan" (ORS 725.045(1)(b)). | Oregon Legislative Assembly (Oregon Revised Statutes) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 9% per annum default legal rate where the parties have not agreed to a rate. Source says: "The rate of interest for the following transactions, if the parties have not otherwise agreed to a rate of interest, is nine percent per annum" (ORS 82.010(1)). | Oregon Legislative Assembly (Oregon Revised Statutes) as of 2026-09-16 |
How to compare offers in Clatskanie
These steps are the ones that most affect the offer you receive in Clatskanie:
- 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 Oregon using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.