Vernonia at a glance
- Population: the Census estimates 2,425 residents, ranking 110th of 240 places in Oregon (Vintage 2023).
- 2020 Census base: 2,374 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: an increase of about 2.1% since the 2020 count (US Census Bureau).
- Rank among Oregon places: the 110th-largest of 240 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 54% of Oregon's places have fewer residents (US Census Bureau).
- Coordinates: mapped at 45.8640, -123.1836 by the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Scappoose, OR (17 mi); St. Helens, OR (18 mi); Kalama, WA (20 mi); North Plains, OR (21 mi); Woodland, WA (21 mi) (US Census Bureau).
- Smaller places nearby: Clatskanie, OR (17 mi); Banks, OR (18 mi); Columbia City, OR (18 mi), per US Census Bureau estimates.
What a personal loan costs in Vernonia
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Vernonia
Read the table as the compliance picture for a lender serving Vernonia: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Vernonia
The steps below are worth completing first when you borrow in Vernonia:
- 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.