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.
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.
- Population: 437 residents; Butte Falls is the 196th-largest of 240 places in Oregon (US Census Bureau, Vintage 2023).
- Population trend: A loss of roughly 1.1% between 2020 and 2023.
- People gained or lost: about 5 fewer since the 2020 base.
- Size percentile: roughly 18% of Oregon's places have fewer residents than Butte Falls's 437.
- Density: roughly 1,021 residents per square mile, spread over 0.4 sq mi of land.
- By land area: Butte Falls ranks 211th among Oregon's 240 places, at 0.4 sq mi.
- State share: roughly 0.0% of Oregon's residents live in Butte Falls (437 people).
- National rank: Butte Falls sits 13,720th by population among the 19,457 places in this dataset.
- Growth in Oregon: Butte Falls stands 175th by percentage change from 2020 to 2023, among 240 places.
- Versus Oregon: the state average change is +0.7%, while Butte Falls moved 1.1%.
- Density rank: Butte Falls is the 166th most densely settled place in Oregon.
- Against the state median: Butte Falls runs about 1,021 residents per square mile, where the Oregon median is 1,575.
- Location: latitude 42.5414, longitude -122.5691 (Census Gazetteer).
- Nearest larger cities: Eagle Point (13 mi); Shady Cove (13 mi); Medford (20 mi); Central Point (21 mi); Phoenix (22 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller towns: Bonanza (64 mi); Westfir (84 mi); Elkton (91 mi) — useful context for the surrounding area.
- Smaller neighbours: 0 places smaller than Butte Falls sit within 50 miles.
- Within 100 miles: 47 places are larger than Butte Falls.
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.
| 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 |
| 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 |
Common questions
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Nearby places
- Eagle Point, OR — population 9,829
- Shady Cove, OR — population 3,064
- Medford, OR — population 85,098
- Phoenix, OR — population 4,422
- Talent, OR — population 6,332
- Ashland, OR — population 21,061
- Central Point, OR — population 19,171
- Jacksonville, OR — population 2,936