Personal loans in Granite, OR

Borrowers who want a bigger city can look to Sumpter, OR about 12 miles away. Between the 2020 Census base and the 2023 estimate, Granite's population barely changed. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Granite's 30 residents. Begin with the payment, then weigh APR and total interest across the lenders that reach Granite's 30 residents.

Granite by the numbers

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

• Population: about 30, ranked 239th of 240 places in Oregon (Census Vintage 2023 subcounty estimate).
• Population trend: Steady across the 2020-to-2023 comparison.
• Size percentile: about 0% of Oregon communities are smaller than Granite (30 residents).
• Population density: about 81 people per square mile across 0.4 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area rank: Granite's 0.4 square miles rank 218th of 240 places in Oregon.
• State share: roughly 0.0% of Oregon's residents live in Granite (30 people).
• National rank: Granite sits 19,226th by population among the 19,457 places in this dataset.
• Growth in Oregon: Granite stands 126th by percentage change from 2020 to 2023, among 240 places.
• State comparison: Oregon's places average +0.7% for 2020-to-2023, against Granite's 0.0%.
• Density rank: Granite places 236th among Oregon's places by people per square mile.
• Against the state median: Granite runs about 81 residents per square mile, where the Oregon median is 1,575.
• Location: latitude 44.8103, longitude -118.4192 (Census Gazetteer).
• Nearest larger cities: Sumpter (12 mi); Haines (25 mi); Unity (27 mi); Prairie City (28 mi); North Powder (29 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Nearest smaller towns: Lonerock (74 mi) — useful context for the surrounding area.
• Smaller neighbours: 0 places smaller than Granite sit within 50 miles.
• Larger places within 100 miles: 63.

How personal loans work in Granite

A Granite personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 30 residents. A lender serving Granite's 30 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Granite loan but raises total interest, so the smallest payment is not the cheapest loan.

Granite against the rest of Oregon

Granite is the 239th-largest of 240 Census places in Oregon and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Granite stands 126th among Oregon's 240 places — roughly the 48th percentile. Its roughly 81 residents per square mile place it 236th among Oregon's places. The population moved by about 0 people between 2020 and 2023, a 0.0% shift.

What Oregon law requires in Granite

When Oregon does not publish a figure, the row links to the source instead of inventing a number; Granite is bound by the same rules.

How lenders reach Granite

With about 81 residents per square mile, Granite is sparsely settled, and 16 larger Census places sit within 50 miles. What is available to Granite's 30 borrowers is set by Oregon licensing and your own credit, not by how many branches are nearby. The nearest larger city, Sumpter, OR about 12 miles away.

The Granite borrowing checklist

Complete these steps first when you borrow in Granite (30 residents):

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Model the payment on the calculator before a lender models it for you.
3. Line up several pre-qualified offers and let the APR decide.
4. Confirm the Oregon licence with the regulator named above before committing.
5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
6. Look for an origination fee or prepayment penalty in the written disclosure.
7. Check that the monthly payment fits your budget next to your existing obligations.

None of these steps is Granite-specific: the same Oregon licensing and disclosure rules reach all 30 residents.