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.

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.

Local context for Lebanon

Two layers matter for a Lebanon borrower: the local population picture and Oregon's consumer-lending statutes.

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.

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

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.

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