Tigard at a glance
- Population: 55,590 residents, the 12th-largest of 240 places in Oregon (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 54,814 (US Census Bureau).
- 2020 to 2023 change: population rose about 1.4% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Oregon places: 12th-largest of 240 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 95% of Oregon's places have fewer residents (US Census Bureau).
- Coordinates: latitude 45.4229, longitude -122.7844 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Beaverton, OR (4 mi); Portland, OR (10 mi); Hillsboro, OR (10 mi); Vancouver, WA (17 mi); Gresham, OR (17 mi) (US Census Bureau populations).
- Smaller places close by: King City, OR (2 mi); Durham, OR (2 mi); Tualatin, OR (3 mi) (US Census Bureau).
What a personal loan costs in Tigard
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Oregon lending rules that apply in Tigard
Each row below is a Oregon rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Tigard
The order below is a sensible way to approach a loan in Tigard:
- 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.