Port Orford at a glance
- Population: 1,135 — 156th in Oregon, which has 240 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,147 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 1.0% below the 2020 Census base (US Census Bureau).
- Rank among Oregon places: 156th in population of 240 places (US Census Bureau).
- Size percentile: ahead of around 35% of Oregon places in population terms (US Census Bureau).
- Coordinates: 42.7493 latitude, -124.4981 longitude (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Gold Beach, OR (24 mi); Bandon, OR (26 mi); Myrtle Point, OR (28 mi); Coquille, OR (34 mi); Coos Bay, OR (46 mi) (US Census Bureau).
- Nearest smaller communities: Powers, OR (23 mi); Glendale, OR (54 mi); Oakland, OR (76 mi), each a US Census place.
What a personal loan costs in Port Orford
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Port Orford
The sourced rows below are the rules a licensed lender must follow when lending in Oregon, and therefore in Port Orford.
| 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 Port Orford
A few practical steps will make the process in Port Orford less costly:
- 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.