Personal loans in Malin, OR

Malin counts about 741 people, and what is genuinely local about borrowing here is limited — Oregon law does the governing. Decide the purpose of the loan and your repayment plan before sharing any details with a Malin lender.

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.

At about 741 residents, Malin is larger than roughly 27% of the places in Oregon. Consumer lending that reaches Malin's 741 residents is governed by Oregon statute; no city ordinance changes it. Census figures put the 2020-to-2023 increase in Malin at about 1.4%. The closest larger place is Tulelake, CA about 5 miles away.

Borrowing in Malin: the local picture

The figures below are Malin's own — Census population, land area and coordinates — followed by the Oregon rules.

Oregon consumer-lending rules applied in Malin

Read the table as a lender's compliance picture for Malin: the rule, the sourced figure, the publisher and the date.

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
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
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

Lender access in Malin

Malin is a moderately settled community of about 741 people, with 5 larger places inside a 50-mile radius. Distance to a branch rarely matters for Malin's 741 residents: the application is online and the price follows your credit file. The nearest larger city, Tulelake, CA about 5 miles away.

How Malin compares across Oregon

Among Oregon's 240 places, Malin sits at 176th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 72nd of 240 Oregon places, putting it near the 70th percentile for growth. At about 1,485 people per square mile, Malin is the 130th most densely settled place in Oregon. Within 50 miles sit 1 smaller Census places, alongside the 5 that are larger.

The anatomy of a Malin personal loan

A Malin personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 741 residents. Because pricing is borrower-level, two people in Malin can be quoted different APRs on the same amount and term. The term you choose in Malin decides the split between a comfortable payment and the total interest you pay.

Malin: area, density and distance

Malin's land area is roughly 0.5 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 1,485 residents per square mile. Portland, the largest place in Oregon, is about 251 miles from Malin. A 50-mile radius around Malin takes in 5 places that are larger. By land area it ranks 199th of 240 Oregon 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 Malin 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 Malin is the same as anywhere in Oregon.
What loan size can I expect in Malin?
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 Malin?
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 Malin 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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