Rivergrove at a glance
- Population: a Census-estimated 533, placing it 190th among Oregon's 240 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 542 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: roughly 1.7% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Oregon places: 190th of the state's 240 Census places (US Census Bureau).
- Size percentile: larger than about 21% of the Census places in Oregon (US Census Bureau).
- Coordinates: it sits at 45.3852, -122.7335 in the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Durham, OR (1 mi); Tualatin, OR (2 mi); Lake Oswego, OR (3 mi); Tigard, OR (4 mi); King City, OR (4 mi) (US Census Bureau).
- Smaller places nearby: Barlow, OR (9 mi); St. Paul, OR (17 mi); Scotts Mills, OR (24 mi), per US Census Bureau estimates.
What a personal loan costs in Rivergrove
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
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.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Oregon lending rules that apply in Rivergrove
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Rivergrove
Run through this list before signing anything in Rivergrove:
- 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.