Personal loans in Monroe, OR

Personal loans in Monroe are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 673 population. Judge Monroe offers on total cost, not on how quickly the money arrives. Every figure below is Oregon's own, applied to Monroe's 673 residents, with the publisher and retrieval date attached. The next larger city is Harrisburg, OR about 7 miles away.

Where Monroe stands

Set out below is Monroe's local context next to the state-level rules that reach every lender here.

• Population: 673 people, a figure that places Monroe 180th among the 240 Census places in Oregon (US Census Bureau, Vintage 2023).
• Population trend: A gain of roughly 4.3% between 2020 and 2023.
• Absolute change: 28 residents added between 2020 and 2023.
• Size percentile: Monroe sits ahead of around 25% of Oregon places, at 673 people.
• Population density: 1,307 people per square mile on 0.5 square miles of land.
• Land area rank: Monroe's 0.5 square miles rank 196th of 240 places in Oregon.
• Share of state population: Monroe's 673 residents are about 0.0% of Oregon.
• Nationally: Monroe is the 11,969th-largest of 19,457 Census places in the dataset.
• Growth rank: Monroe's 2020-to-2023 change ranks 24th of 240 places in Oregon.
• Versus Oregon: the state average change is +0.7%, while Monroe moved 4.3%.
• Density in Oregon: Monroe ranks 146th by people per square mile.
• Against the state median: Monroe runs about 1,307 residents per square mile, where the Oregon median is 1,575.
• Location: 44.3169 / -123.2989, per the US Census Bureau Gazetteer.
• Nearest larger cities: Harrisburg (7 mi); Junction City (9 mi); Halsey (10 mi); Philomath (16 mi); Brownsville (16 mi). Larger metros often have more branches, but online lenders reach Monroe on the same terms.
• Smaller towns nearby: Sodaville (24 mi); Waterloo (26 mi); Elkton (49 mi).
• Smaller places within 50 miles: 3 of them.
• Within 100 miles: 111 places are larger than Monroe.

Lender access in Monroe

With about 1,307 residents per square mile, Monroe is moderately settled, and 41 larger Census places sit within 50 miles. What is available to Monroe's 673 borrowers is set by Oregon licensing and your own credit, not by how many branches are nearby. The nearest larger city, Harrisburg, OR about 7 miles away.

Monroe on the map

Monroe's land area is roughly 0.5 square miles, and the Gazetteer records no significant water area within it. That land carries about 1,307 people per square mile. The state's population centre of gravity, Portland, is roughly 90 miles away. Within 50 miles of Monroe there are 41 larger Census places. The 100-mile radius contains 111 larger places.

How personal loans work in Monroe

With roughly 673 residents, Monroe is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Monroe lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Monroe loan is knowable in advance — unlike a revolving card balance.

What to do before borrowing in Monroe

For Monroe's roughly 673 residents, these are the steps that most influence the offer:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Confirm the lender holds a Oregon licence by checking the regulator named above.
5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
6. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Check that the monthly payment fits your budget next to your existing obligations.

None of these steps is Monroe-specific: the same Oregon licensing and disclosure rules reach all 673 residents.

The state rulebook for Monroe

These are Oregon's sourced lending facts as they reach Monroe's 673 residents; the state has no city-level rate rule.