Personal loans in Lyons, OR

With roughly 1,207 residents, Lyons is a small community, and the lending rules its borrowers live under are written in Oregon, not by the city. The Census estimates 1,207 residents in Lyons, which ranks it 151st of 240 places in Oregon.

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.

The closest larger place is Mill City, OR about 7 miles away. Lyons shed about 0.1% of its population between the 2020 base and the 2023 estimate. Consumer lending that reaches Lyons's 1,207 residents is governed by Oregon statute; no city ordinance changes it. Judge Lyons offers on total cost, not on how quickly the money arrives.

Borrowing in Lyons: the local picture

Here is the sourced Census picture for Lyons, plus the Oregon lending rules that apply to a loan taken out here.

Lyons against the rest of Oregon

Lyons is the 151st-largest of 240 Census places in Oregon and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 130th of 240 Oregon places, putting it near the 46th percentile for growth. At about 1,395 people per square mile, Lyons is the 141st most densely settled place in Oregon. In land area, Lyons ranks 156th among Oregon's 240 places.

What a Lyons borrower is actually offered

With roughly 1,207 residents, Lyons 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 Lyons's rank of 151st 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 Lyons decides the split between a comfortable payment and the total interest you pay.

Which Oregon laws govern a loan in Lyons

The rows below set out what a licensed lender must follow in Oregon, and so for Lyons's roughly 1,207 residents.

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
Unlicensed lending consequence (state-specific rule)Unlicensed consumer finance loans are void and uncollectible (principal, interest, fees).
Source says: "the consumer finance loan is void... may not... collect, receive or retain principal, interest, a fee or a charge related to... the consumer finance loan" (ORS 725.045(1)(b)).
Oregon Legislative Assembly (Oregon Revised Statutes)
as of 2026-09-16
Maximum legal interest rate (usury cap)9% per annum default legal rate where the parties have not agreed to a rate.
Source says: "The rate of interest for the following transactions, if the parties have not otherwise agreed to a rate of interest, is nine percent per annum" (ORS 82.010(1)).
Oregon Legislative Assembly (Oregon Revised Statutes)
as of 2026-09-16

Lyons: area, density and distance

Inside Lyons's boundaries lie roughly 0.9 square miles of land and 0.01 square miles of water. With 1,207 residents, the land area yields roughly 1,395 people per square mile. For the state's biggest city, Portland, the distance is roughly 52 miles. Lyons has 53 larger places within a 50-mile radius. Within the same 50 miles lie 18 smaller Census places.

Getting a loan in Lyons

Lyons is moderately settled, with about 1,395 people per square mile and 53 larger places within 50 miles. Whether Lyons has a local branch or not, a Oregon-licensed lender can serve its 1,207 people online on the same terms. For a larger market, the closest option is Mill City, OR about 7 miles away.

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