Personal loans in Durham, OR

Roughly 1,860 residents live in Durham, the 127th-largest community in Oregon. Census figures put the 2020-to-2023 decrease in Durham at about 4.4%.

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

Compare loan offers Run the numbers first

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.

The first question in Durham is not the rate on offer but whether the payment fits; about 1,860 people live here under Oregon lending law. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Durham's 1,860 residents. For a community of about 1,860, the practical step is to compare APR across at least three lenders before committing. The closest larger place is Tualatin, OR about 1 miles away.

Durham by the numbers

Only a few things actually differ by place — population, area, location, and the Oregon rules a lender must follow — and they are below.

The geography behind Durham

Inside Durham's boundaries lie about 0.4 square miles of land, with no significant water area recorded. Spread across it are roughly 4,537 residents per square mile. The largest place in Oregon, Portland, lies about 11 miles away. Within 50 miles of Durham there are 62 larger Census places. The 100-mile radius contains 95 larger places.

How Durham compares across Oregon

Within Oregon, Durham holds roughly 0.1% of all residents, the 127th-largest share among 240 places. On the 2020-to-2023 trend, Durham stands 236th among Oregon's 240 places — roughly the 2th percentile. By density, at about 4,537 people per square mile, it ranks 17th in Oregon. Between 2020 and 2023 the count changed by roughly 85 residents.

The state rulebook for Durham

Read the table as a lender's compliance picture for Durham: the rule, the sourced figure, the publisher and the date.

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

Borrowing reach in Durham

With about 4,537 residents per square mile, Durham is fairly dense, and 62 larger Census places sit within 50 miles. What is available to Durham's 1,860 borrowers is set by Oregon licensing and your own credit, not by how many branches are nearby. The nearest larger city, Tualatin, OR about 1 miles away.

A practical checklist for Durham borrowers

Complete these steps first when you borrow in Durham (1,860 residents):

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Look the lender up in the Oregon regulator's licence records before you sign.
  5. Be clear on what the loan is for and how it gets repaid.
  6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
  7. Look for an origination fee or prepayment penalty in the written disclosure.

In Durham as elsewhere in Oregon, the written terms — not the advertisement — are what count for its 1,860 residents.

Compare personal loan offers Run the numbers first

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 Durham 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 Durham is the same as anywhere in Oregon.
What loan size can I expect in Durham?
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 Durham?
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 Durham 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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