Oregon City at a glance
- Population: about 37,351 residents, ranking 16th of 240 Census places in Oregon (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 37,578 residents here (US Census Bureau).
- 2020 to 2023 change: about 0.6% lower than the 2020 Census base (US Census Bureau).
- Rank among Oregon places: the 16th-largest of 240 (US Census Bureau, 2023 estimate).
- Size percentile: about 93% of Oregon's Census places are smaller (US Census Bureau).
- Coordinates: 45.3413, -122.5923 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Lake Oswego, OR (7 mi); Tigard, OR (11 mi); Gresham, OR (13 mi); Portland, OR (14 mi); Beaverton, OR (14 mi) (Census populations, approximate straight-line distance).
- Smaller towns nearby: West Linn, OR (3 mi); Gladstone, OR (3 mi); Johnson City, OR (4 mi) (US Census Bureau).
What a personal loan costs in Oregon City
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Oregon lending rules that apply in Oregon City
The sourced rows below are the rules a licensed lender must follow when lending in Oregon, and therefore in Oregon City.
| 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 Oregon City
Run through this list before signing anything in Oregon City:
- 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.