Sutherlin at a glance
- Population: a Census-estimated 8,652, placing it 61st among Oregon's 240 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 8,523 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 1.5% higher than at the 2020 Census (US Census Bureau).
- Rank among Oregon places: the 61st-largest of 240 (US Census Bureau, 2023 estimate).
- Size percentile: about 75% of Oregon's Census places are smaller (US Census Bureau).
- Coordinates: 43.3862, -123.3227 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Roseburg, OR (11 mi); Cottage Grove, OR (31 mi); Coos Bay, OR (46 mi); North Bend, OR (46 mi); Eugene, OR (47 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Oakland, OR (3 mi); Yoncalla, OR (15 mi); Drain, OR (19 mi) (Census populations).
What a personal loan costs in Sutherlin
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Oregon lending rules that apply in Sutherlin
The table lists the Oregon rules that apply to a loan made in Sutherlin, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Sutherlin
Here is a short checklist for comparing personal loans in Sutherlin:
- 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.