Lostine at a glance
- Population: 251 (US Census Bureau, Vintage 2023 subcounty estimate), the 213th-largest of 240 places in Oregon.
- 2020 Census base: 239 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: roughly 5.0% higher than at the 2020 Census (US Census Bureau).
- Rank among Oregon places: 213th-largest of 240 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it exceeds roughly 11% of Oregon's Census places by population (US Census Bureau).
- Coordinates: 45.4867 latitude, -117.4295 longitude (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Wallowa, OR (8 mi); Enterprise, OR (8 mi); Joseph, OR (13 mi); Cove, OR (23 mi); Elgin, OR (24 mi) (US Census Bureau).
- Smaller places close by: Imbler, OR (26 mi); Summerville, OR (28 mi); Richland, OR (51 mi) (US Census Bureau).
What a personal loan costs in Lostine
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Lostine
The sourced rows below are the rules a licensed lender must follow when lending in Oregon, and therefore in Lostine.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Lostine
Here is a short checklist for comparing personal loans in Lostine:
- 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.