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Personal loans in Oregon, WI

A personal loan in Oregon is repaid in equal monthly installments over a fixed term, with the rate set from your credit history, income and debts. Census data place Oregon's population near 11,676, the 83rd-largest among Wisconsin's 605 Census places. Wisconsin's rate ceilings and lender-licensing requirements appear below, each with the publisher and date behind it.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Oregon at a glance

  • Population: 11,676 (US Census Bureau, Vintage 2023 subcounty estimate), the 83rd-largest of 605 places in Wisconsin.
  • 2020 Census base: 11,181 residents in the 2020 Census, per the US Census Bureau.
  • 2020 to 2023 change: up about 4.4% from the 2020 Census base to the 2023 estimate (US Census Bureau).
  • Rank among Wisconsin places: 83rd by size among 605 communities (US Census Bureau).
  • Size percentile: larger than about 86% of the Census places in Wisconsin (US Census Bureau).
  • Coordinates: 42.9251 / -89.3890, per the US Census Bureau Gazetteer.
  • Nearest larger cities: Fitchburg, WI (5 mi); Stoughton, WI (8 mi); Verona, WI (9 mi); Madison, WI (11 mi); Middleton, WI (14 mi); each population is a US Census Bureau estimate.
  • Nearest smaller communities: Brooklyn, WI (5 mi); McFarland, WI (8 mi); Belleville, WI (9 mi) (Census populations).

What a personal loan costs in Oregon

A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.

APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.

Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.

Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.

Wisconsin lending rules that apply in Oregon

The table carries the Wisconsin rate and licensing rules that apply to consumer loans made in Oregon.

RuleDetailSource
Payday lending statusLegal and licensed by the DFI Division of Banking; statewide database tracking (Wis. Stat. § 138.14)
Source says: "Licensee" means a person holding a license issued by the division under sub. (5)		Wisconsin State Legislature
as of 2026-09-16
Small-loan / installment lender licensingLicensed lender license required from the Division of Banking (Wis. Stat. § 138.09)
Source says: Before any person may do business under this section, that person shall first obtain a license from the division.		Wisconsin State Legislature
as of 2026-09-16
State lending regulatorWisconsin Department of Financial Institutions (DFI), Division of Banking
Source says: "Department" means the department of financial institutions		Wisconsin State Legislature
as of 2026-09-16
Maximum legal interest rate (usury cap)12% per year maximum ($12 per $100) on the declining principal balance, except as authorized by other statutes (Wis. Stat. § 138.05(1)(a))
Source says: At the rate of $12 upon $100 for one year computed upon the declining principal balance of the loan or forbearance		Wisconsin State Legislature
as of 2026-09-16

How to compare offers in Oregon

The order below is a sensible way to approach a loan in Oregon:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Wisconsin using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Oregon?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Oregon are the same as elsewhere in Wisconsin.
How much can I borrow with a personal loan in Oregon?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Oregon require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Oregon hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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