Personal loans in Gearhart, OR

Personal loans in Gearhart are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 1,870 population. Which products a lender may offer to Gearhart's 1,870 residents follows from the Oregon consumer-lending framework. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Gearhart loan. The next larger city is Seaside, OR about 3 miles away.

Gearhart: population, trend and location

What follows is Gearhart's place in the Census record, alongside the Oregon rules that govern a personal loan made here.

• Population: 1,870 residents; Gearhart is the 126th-largest of 240 places in Oregon (US Census Bureau, Vintage 2023).
• Population trend: The 2020-to-2023 change is positive, near 3.8%.
• Net change: roughly 68 more people than the 2020 Census counted.
• Size percentile: with 1,870 residents, Gearhart is larger than about 48% of Oregon's Census places.
• Density: the Census land area of 1.9 sq mi holds about 1,001 people per square mile.
• By land area: Gearhart ranks 105th among Oregon's 240 places, at 1.9 sq mi.
• Water: Gearhart holds about 0.19 square miles, the 39th-largest water area in Oregon.
• State population share: Gearhart accounts for about 0.1% of everyone in Oregon.
• Nationally: Gearhart is the 7,864th-largest of 19,457 Census places in the dataset.
• Growth rank: Gearhart's 2020-to-2023 change ranks 32nd of 240 places in Oregon.
• Against the state trend: Gearhart's 3.8% change compares with a Oregon average of +0.7% across its 240 places.
• Density rank: Gearhart places 169th among Oregon's places by people per square mile.
• Density vs Oregon: Gearhart's 1,001 people per square mile compare with a state median of 1,575.
• Location: it lies at 46.0317, -123.9185 in the Census Gazetteer.
• Nearest larger cities: Seaside (3 mi); Warrenton (10 mi); Astoria (12 mi); Vernonia (37 mi); Tillamook (40 mi). Lenders licensed in the state serve Gearhart whether or not they keep a local branch.
• Smaller communities close by: Cannon Beach (10 mi); Ilwaco (20 mi); Nehalem (22 mi), each with its own Census population profile.
• Smaller places within 50 miles: 15 of them.
• At 100 miles: 90 larger Census places fall inside that radius.

Lender access in Gearhart

Gearhart is a moderately settled community of about 1,870 people, with 9 larger places inside a 50-mile radius. Lenders licensed in Oregon reach Gearhart's 1,870 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Seaside, OR about 3 miles away.

The geography behind Gearhart

Gearhart's land area is about 1.9 square miles; a further 0.19 square miles is water. The resulting density is about 1,001 people per square mile. The largest place in Oregon, Portland, lies about 70 miles away. Gearhart has 9 larger places within a 50-mile radius. The 100-mile radius contains 90 larger places.

Gearhart's place among Oregon's 240 places

Within Oregon, Gearhart holds roughly 0.1% of all residents, the 126th-largest share among 240 places. On the 2020-to-2023 trend, Gearhart stands 32nd among Oregon's 240 places — roughly the 87th percentile. At about 1,001 people per square mile, Gearhart is the 169th most densely settled place in Oregon. The population moved by about 68 people between 2020 and 2023, a 3.8% shift.

The state rulebook for Gearhart

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

How a Gearhart personal loan is priced

In Gearhart, a small community of about 1,870, 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 Gearhart lender to disclose the APR and finance charge before you sign. Shortening the term on a Gearhart loan raises the monthly payment but cuts the interest; lengthening it does the reverse.