Personal loans in Irrigon, OR
For a borrower among the roughly 2,008 residents of Irrigon, a personal loan is a tool whose cost turns on the terms, not the address. Irrigon is home to roughly 2,008 people and stands 121st by size out of 240 Census places in Oregon.
The nearest larger metro is Umatilla, OR about 8 miles away. Census figures show Irrigon holding steady across 2020 to 2023. Which products a lender may offer to Irrigon's 2,008 residents follows from the Oregon consumer-lending framework. Pull your credit reports and line up at least three offers before you apply from Irrigon.
Irrigon: population, trend and location
Most of what governs a Irrigon loan is written in Oregon law rather than in the city; the sourced notes below make that split concrete.
- Population: the Census counts 2,008 residents in Irrigon (Vintage 2023 subcounty estimate), the 121st-largest figure among Oregon's 240 places.
- Population trend: About level with the 2020 Census.
- Size percentile: with 2,008 residents, Irrigon is larger than about 50% of Oregon's Census places.
- Land and density: 1.3 square miles of land carry roughly 1,542 residents per square mile.
- Land area: Irrigon covers 1.3 square miles, the 126th-largest area among Oregon's 240 places.
- Water area: Irrigon has 0.15 square miles of water, ranking 47th of 240 places in Oregon.
- Share of state population: Irrigon's 2,008 residents are about 0.1% of Oregon.
- National rank: Irrigon is the 7,613th most populous of the 19,457 Census places covered here.
- Growth rank: Irrigon's 2020-to-2023 change ranks 129th of 240 places in Oregon.
- State comparison: Oregon's places average +0.7% for 2020-to-2023, against Irrigon's 0.0%.
- Density rank: Irrigon is the 124th most densely settled place in Oregon.
- Against the state median: Irrigon runs about 1,542 residents per square mile, where the Oregon median is 1,575.
- Location: the Census Gazetteer records it at 45.8951, -119.4888.
- Nearest larger cities: Umatilla (8 mi); Boardman (11 mi); Hermiston (11 mi); Stanfield (15 mi); Benton City (25 mi). Lenders licensed in the state serve Irrigon whether or not they keep a local branch.
- Smaller towns nearby: Echo (18 mi); Ione (32 mi); Lexington (32 mi).
- Smaller places within 50 miles: 10 of them.
- At 100 miles: 39 larger Census places fall inside that radius.
What Oregon law requires in Irrigon
Read the table as a lender's compliance picture for Irrigon: the rule, the sourced figure, the publisher and the date.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Oregon 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 status | Legal 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 licensing | Consumer 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 lenders reach Irrigon
With about 1,542 residents per square mile, Irrigon is moderately settled, and 14 larger Census places sit within 50 miles. What is available to Irrigon's 2,008 borrowers is set by Oregon licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Umatilla, OR about 8 miles away.
Land, water and location for Irrigon
The Census Gazetteer records 1.3 square miles of land and 0.15 square miles of water within Irrigon. That land carries about 1,542 people per square mile. The largest place in Oregon, Portland, lies about 154 miles away. Counting outward 50 miles, 14 larger communities surround Irrigon. By land area it ranks 126th of 240 Oregon places.
Irrigon against the rest of Oregon
Within Oregon, Irrigon holds roughly 0.1% of all residents, the 121st-largest share among 240 places. For population change between 2020 and 2023, Irrigon ranks 129th of 240 in Oregon (about the 46th percentile). By density, at about 1,542 people per square mile, it ranks 124th in Oregon. Between 2020 and 2023 the count changed by roughly 1 residents.
How personal loans work in Irrigon
A Irrigon personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 2,008 residents. The APR tracks your credit score rather than Irrigon's rank of 121st in Oregon: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Irrigon decides the split between a comfortable payment and the total interest you pay.
Common questions
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Nearby places
- Umatilla, OR — population 7,755
- Boardman, OR — population 4,268
- Hermiston, OR — population 19,489
- Stanfield, OR — population 2,099
- Echo, OR — population 622
- Benton City, WA — population 3,733
- Prosser, WA — population 6,366
- West Richland, WA — population 18,456