Personal loans in Butte Falls, OR

Butte Falls lost roughly 1.1% of its population across the 2020-to-2023 comparison. For a borrower among the roughly 437 residents of Butte Falls, a personal loan is a tool whose cost turns on the terms, not the address.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

About 437 people live in Butte Falls, placing it 196th of 240 Census places in Oregon. A larger market lies at Eagle Point, OR about 13 miles away. Every figure below is Oregon's own, applied to Butte Falls's 437 residents, with the publisher and retrieval date attached. Rate-shopping from Butte Falls costs nothing at pre-qualification, where a soft pull leaves your credit file alone.

What the Census records for Butte Falls

The figures below are Butte Falls's own — Census population, land area and coordinates — followed by the Oregon rules.

Butte Falls's place among Oregon's 240 places

Butte Falls is the 196th-largest of 240 Census places in Oregon and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Butte Falls stands 175th among Oregon's 240 places — roughly the 27th percentile. At about 1,021 people per square mile, Butte Falls is the 166th most densely settled place in Oregon. In land area, Butte Falls ranks 211th among Oregon's 240 places.

Borrowing reach in Butte Falls

At roughly 1,021 people per square mile, Butte Falls is moderately settled; 17 larger places lie within 50 miles. Distance to a branch rarely matters for Butte Falls's 437 residents: the application is online and the price follows your credit file. The nearest larger city, Eagle Point, OR about 13 miles away.

The anatomy of a Butte Falls personal loan

A Butte Falls personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 437 residents. Two numbers drive a Butte Falls loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Butte Falls decides the split between a comfortable payment and the total interest you pay.

The geography behind Butte Falls

Inside Butte Falls's boundaries lie about 0.4 square miles of land, with no significant water area recorded. The resulting density is about 1,021 people per square mile. The largest place in Oregon, Portland, lies about 207 miles away. Butte Falls has 17 larger places within a 50-mile radius. The 100-mile radius contains 47 larger places.

What Oregon law requires in Butte Falls

Oregon has no separate rate rule for Butte Falls; the sourced rows below are what reach every lender that serves its 437 people.

RuleDetailSource
State lending regulatorOregon 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
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 statusLegal 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

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Butte Falls if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Butte Falls is the same as anywhere in Oregon.
What loan size can I expect in Butte Falls?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Butte Falls?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Butte Falls cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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