Personal loans in Huntington, OR

Population in Huntington climbed about 1.6% over the three years from 2020 to 2023. For a borrower among the roughly 510 residents of Huntington, a personal loan is a tool whose cost turns on the terms, not the address.

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

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.

An estimated 510 people make their home in Huntington, a figure that ranks 191st in Oregon. Borrowers who want a bigger city can look to Weiser, ID about 16 miles away. State law, not city hall, decides what a lender may do to Huntington's roughly 510 residents, and a state regulator supervises it. Decide the purpose of the loan and your repayment plan before sharing any details with a Huntington lender.

What the Census records for Huntington

Most of what governs a Huntington loan is written in Oregon law rather than in the city; the sourced notes below make that split concrete.

Lender access in Huntington

Huntington is moderately settled, with about 689 people per square mile and 12 larger places within 50 miles. Lenders licensed in Oregon reach Huntington's 510 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Weiser, ID about 16 miles away.

How Oregon law applies in Huntington

Below are the Oregon rules that apply to a loan made in Huntington, each with the regulator that issued it.

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
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
Small-loan / installment lender licensingConsumer finance license required to make consumer finance loans of $50,000 or less; license issued by the Director of the Department of Consumer and Business Services.
Source says: "a consumer finance loan of $50,000 or less... unless the person first obtains a license under this chapter" (ORS 725.045).
Oregon Legislative Assembly (Oregon Revised Statutes)
as of 2026-09-16

How personal loans work in Huntington

With roughly 510 residents, Huntington is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Huntington's rank of 191st in Oregon: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Huntington loan is knowable in advance — unlike a revolving card balance.

How Huntington compares across Oregon

Against Oregon's other places, Huntington accounts for about 0.0% of the state's population and ranks 191st of 240 by size. Its 2020-to-2023 change ranks 65th of 240 Oregon places, putting it near the 73th percentile for growth. At about 689 people per square mile, Huntington is the 205th most densely settled place in Oregon. Between 2020 and 2023 the count changed by roughly 8 residents.

Where Huntington sits

Huntington's land area is roughly 0.7 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 689 residents per square mile. The largest place in Oregon, Portland, lies about 276 miles away. Huntington has 12 larger places within a 50-mile radius. Within the same 50 miles lie 6 smaller Census places.

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