Personal loans in Lebanon, OR
Lebanon is one of 240 Census places in Oregon; its 19,726 residents put it at 31st. Population in Lebanon climbed about 6.7% over the three years from 2020 to 2023. Two households in Lebanon with comparable incomes can still be offered different rates; the city's 19,726 residents are not the reason. Consumer lending that reaches Lebanon's 19,726 residents is governed by Oregon statute; no city ordinance changes it. Begin with the payment, then weigh APR and total interest across the lenders that reach Lebanon's 19,726 residents. The nearest larger city is Albany, OR about 11 miles away.
Local context for Lebanon
Two layers matter for a Lebanon borrower: the local population picture and Oregon's consumer-lending statutes.
- Population: about 19,726 people live here, which puts Lebanon 31st of 240 Census places in Oregon (Vintage 2023).
- Population trend: About 6.7% above the 2020 Census base.
- Absolute change: 1,244 residents added between 2020 and 2023.
- Size percentile: roughly 87% of Oregon's places have fewer residents than Lebanon's 19,726.
- Population density: about 2,753 people per square mile (Census land area 7.2 sq mi).
- Land area rank: Lebanon's 7.2 square miles rank 33rd of 240 places in Oregon.
- Water: Lebanon holds about 0.23 square miles, the 33rd-largest water area in Oregon.
- Within Oregon: about 0.7% of the state's population lives in Lebanon.
- National rank: Lebanon is the 1,902nd most populous of the 19,457 Census places covered here.
- Growth in Oregon: Lebanon stands 12th by percentage change from 2020 to 2023, among 240 places.
- Versus Oregon: the state average change is +0.7%, while Lebanon moved 6.7%.
- Density rank: Lebanon places 64th among Oregon's places by people per square mile.
- Density vs Oregon: Lebanon's 2,753 people per square mile compare with a state median of 1,575.
- Location: 44.5310, -122.9081 (Census Gazetteer coordinates).
- Nearest larger cities: Albany (11 mi); Corvallis (18 mi); Salem (28 mi); Keizer (33 mi); Springfield (33 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller places nearby: Sodaville (4 mi); Waterloo (5 mi); Tangent (10 mi).
- Smaller places within 50 miles: 44 of them.
- Larger places within 100 miles: 29.
Which Oregon laws govern a loan in Lebanon
These are Oregon's sourced lending facts as they reach Lebanon's 19,726 residents; the state has no city-level rate rule.
| 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 |
What is available to Lebanon borrowers
At roughly 2,753 people per square mile, Lebanon is fairly dense; 8 larger places lie within 50 miles. Lenders licensed in Oregon reach Lebanon's 19,726 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Albany, OR about 11 miles away.
Where Lebanon sits
Lebanon's land area is about 7.2 square miles; a further 0.23 square miles is water. Spread across it are roughly 2,753 residents per square mile. Portland, the largest place in Oregon, is about 71 miles from Lebanon. Lebanon has 8 larger places within a 50-mile radius. The 100-mile radius contains 29 larger places.
Where Lebanon sits in Oregon
Within Oregon, Lebanon holds roughly 0.7% of all residents, the 31st-largest share among 240 places. Its 2020-to-2023 change ranks 12th of 240 Oregon places, putting it near the 95th percentile for growth. Its roughly 2,753 residents per square mile place it 64th among Oregon's places. In land area, Lebanon ranks 33rd among Oregon's 240 places.
What shapes a Lebanon personal loan
With roughly 19,726 residents, Lebanon is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Lebanon can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Lebanon loan is knowable in advance — unlike a revolving card balance.
Common questions
What are my options in Lebanon if my credit is poor?
What loan size can I expect in Lebanon?
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Does comparing loans in Lebanon cost me credit score points?
Nearby places
- Sodaville, OR — population 369
- Waterloo, OR — population 223
- Brownsville, OR — population 1,849
- Scio, OR — population 961
- Tangent, OR — population 1,247
- Jefferson, OR — population 3,267
- Albany, OR — population 57,053
- Millersburg, OR — population 3,311