Personal loans in Gaston, OR

Census figures put the 2020-to-2023 decrease in Gaston at about 1.6%. In Gaston, one of 240 Census places in Oregon, the figure to compare across lenders is the APR, not the advertised rate.

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.

Roughly 667 residents live in Gaston, the 181st-largest community in Oregon. The closest larger place is Forest Grove, OR about 6 miles away. A single loan can carry different costs on either side of a state line, and Gaston sits on the Oregon side of that line. Compare APR, not the interest rate, because the APR folds in most fees on a Gaston loan.

Local context for Gaston

Here is the sourced Census picture for Gaston, plus the Oregon lending rules that apply to a loan taken out here.

What Oregon law requires in Gaston

This table holds the Oregon rate and licensing rules for consumer loans made to Gaston's 667 residents.

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

Gaston in state context

Within Oregon, Gaston holds roughly 0.0% of all residents, the 181st-largest share among 240 places. On the 2020-to-2023 trend, Gaston stands 194th among Oregon's 240 places — roughly the 19th percentile. At about 1,956 people per square mile, Gaston is the 101st most densely settled place in Oregon. In land area, Gaston ranks 221st among Oregon's 240 places.

The anatomy of a Gaston personal loan

Most loans made to Gaston's 667 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Gaston lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Gaston loan but raises total interest, so the smallest payment is not the cheapest loan.

The geography behind Gaston

The Census Gazetteer records about 0.3 square miles of land within Gaston, with no significant water area listed. With 667 residents, the land area yields roughly 1,956 people per square mile. The largest place in Oregon, Portland, lies about 25 miles away. Gaston has 76 larger places within a 50-mile radius. The 100-mile radius contains 131 larger places.

Getting a loan in Gaston

At roughly 1,956 people per square mile, Gaston is moderately settled; 76 larger places lie within 50 miles. Whether Gaston has a local branch or not, a Oregon-licensed lender can serve its 667 people online on the same terms. The nearest bigger place is Forest Grove, OR about 6 miles away.

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

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