Personal loans in Coos Bay, OR

A 2020-to-2023 comparison shows Coos Bay down by about 2.5%. At about 15,595 residents, Coos Bay is larger than roughly 84% of the places in Oregon.

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

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If you are weighing a personal loan in Coos Bay, start from the payment you can carry; its 15,595 residents face the same statewide rules. Judge Coos Bay offers on total cost, not on how quickly the money arrives. Which products a lender may offer to Coos Bay's 15,595 residents follows from the Oregon consumer-lending framework. The nearest larger city is Roseburg, OR about 46 miles away.

Coos Bay: population, trend and location

Coos Bay is a small town; the notes below cover its population profile and the statewide rules that apply.

Population: 15,595 people, a figure that places Coos Bay 39th among the 240 Census places in Oregon (US Census Bureau, Vintage 2023).
Population trend: Lower by roughly 2.5% since the 2020 count.
Net change: roughly 393 fewer people than the 2020 Census counted.
Size percentile: bigger than about 84% of the places in Oregon, with 15,595 residents in Coos Bay.
Density: roughly 1,467 residents per square mile, spread over 10.6 sq mi of land.
By land area: Coos Bay ranks 22nd among Oregon's 240 places, at 10.6 sq mi.
Water: Coos Bay holds about 5.28 square miles, the 2nd-largest water area in Oregon.
State share: roughly 0.5% of Oregon's residents live in Coos Bay (15,595 people).
National rank: Coos Bay is 2,304th of 19,457 places nationwide.
Growth rank: Coos Bay's 2020-to-2023 change ranks 224th of 240 places in Oregon.
State comparison: Oregon's places average +0.7% for 2020-to-2023, against Coos Bay's 2.5%.
Density rank: Coos Bay is the 132nd most densely settled place in Oregon.
Against the state median: Coos Bay runs about 1,467 residents per square mile, where the Oregon median is 1,575.
Location: coordinates 43.3811, -124.2326 (US Census Bureau Gazetteer).
Nearest larger cities: Roseburg (46 mi); Eugene (73 mi); Springfield (78 mi); Grants Pass (80 mi); Corvallis (95 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
Nearest smaller towns: North Bend (2 mi); Coquille (14 mi); Lakeside (14 mi).
Smaller places within 50 miles: 16 of them.
At 100 miles: 6 larger Census places fall inside that radius.

How lenders reach Coos Bay

With about 1,467 residents per square mile, Coos Bay is moderately settled, and 1 larger Census places sit within 50 miles. Lenders licensed in Oregon reach Coos Bay's 15,595 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Roseburg, OR about 46 miles away.

Steps to take before a Coos Bay loan

For Coos Bay's roughly 15,595 residents, these are the steps that most influence the offer:

Get your credit reports, dispute what is wrong, and only then start shopping.
Model the payment on the calculator before a lender models it for you.
Get several pre-qualifications and compare APR side by side before choosing.
Make sure the lender appears in the Oregon regulator's licence list.
If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
Check the disclosure for fees that raise the true cost above the quoted rate.
Check that the monthly payment fits your budget next to your existing obligations.

The process is identical across Oregon; what changes is your credit file, not the fact that Coos Bay holds 15,595 people.

Coos Bay in state context

Set beside Oregon's 240 places, Coos Bay ranks 39th by population and holds about 0.5% of the state total. Its 2020-to-2023 change ranks 224th of 240 Oregon places, putting it near the 7th percentile for growth. By density, at about 1,467 people per square mile, it ranks 132nd in Oregon. In land area, Coos Bay ranks 22nd among Oregon's 240 places.

What a Coos Bay borrower is actually offered

In Coos Bay, a small town of about 15,595, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Coos Bay lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Coos Bay loan but raises total interest, so the smallest payment is not the cheapest loan.

Which Oregon laws govern a loan in Coos Bay

Below are the Oregon rules that apply to a loan made in Coos Bay, each with the regulator that issued 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
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

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Common questions

What are my options in Coos Bay 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 Coos Bay is the same as anywhere in Oregon.

What loan size can I expect in Coos Bay?

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 Coos Bay?

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 Coos Bay 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.

Nearby places

North Bend, OR — population 10,054
Coquille, OR — population 3,991
Lakeside, OR — population 1,854
Bandon, OR — population 3,304
Myrtle Point, OR — population 2,471
Reedsport, OR — population 4,321
Powers, OR — population 709
Dunes City, OR — population 1,407