Personal loans in Oregon, OH

An estimated 19,711 people make their home in Oregon, a figure that ranks 89th in Ohio. The 2020 count to the 2023 estimate shows about 1.2% decline 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.

For a borrower among the roughly 19,711 residents of Oregon, a personal loan is a tool whose cost turns on the terms, not the address. Lenders active in Oregon report to a Ohio supervisor, identified in the sourced rows below. Rate-shopping from Oregon costs nothing at pre-qualification, where a soft pull leaves your credit file alone. The nearest larger city is Toledo, OH about 7 miles away.

Local context for Oregon

Read the local figures below as context; read the sourced Ohio table as the rulebook a lender here must follow.

Which Ohio laws govern a loan in Oregon

When Ohio does not publish a figure, the row links to the source instead of inventing a number; Oregon is bound by the same rules.

RuleDetailSource
State lending regulatorOhio Department of Commerce, Division of Financial Institutions (Consumer Finance Section).
Source says: "The Consumer Finance Section is responsible for regulating non-depository consumer lenders and related consumer finance businesses."
Ohio Department of Commerce - Division of Financial Institutions
as of 2026-09-16
Payday lending statusLegal for licensed short-term lenders; interest capped at 28% per annum; total fees and charges capped at 60% of the originally contracted loan amount.
Source says: "(A) Interest not exceeding a rate of twenty-eight per cent per annum" (Ohio Rev. Code 1321.40); total fees/charges capped at "a total amount of fees and charges that exceeds sixty per cent of the originally contracted loan amount" (1321.403).
Ohio Laws (Ohio Revised Code - official state publication)
as of 2026-09-16
Small-loan / installment lender licensingConsumer finance licenses required for non-depository lenders, including Consumer Installment Loan Act lenders, General Loan Law lenders, short-term lenders, and small loan lenders.
Source says: "We issue and manage licenses for companies and individuals under multiple Ohio statutes." (page's regulated-statutes list names Consumer Installment Loan Act lenders, General Loan Law lenders, Short-term lenders, Small loan lenders).
Ohio Department of Commerce - Division of Financial Institutions
as of 2026-09-16

Oregon in state context

Oregon is the 89th-largest of 924 Census places in Ohio and contains about 0.3% of the state's people. On the 2020-to-2023 trend, Oregon stands 524th among Ohio's 924 places — roughly the 43th percentile. By density, at about 691 people per square mile, it ranks 746th in Ohio. Within 50 miles sit 118 smaller Census places, alongside the 19 that are larger.

Borrowing reach in Oregon

Oregon is a moderately settled community of about 19,711 people, with 19 larger places inside a 50-mile radius. What is available to Oregon's 19,711 borrowers is set by Ohio licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Toledo, OH about 7 miles away.

Oregon: area, density and distance

The Census Gazetteer records 28.5 square miles of land and 0.38 square miles of water within Oregon. Spread across it are roughly 691 residents per square mile. The state's population centre of gravity, Columbus, is roughly 118 miles away. Oregon has 19 larger places within a 50-mile radius. By land area it ranks 12th of 924 Ohio places.

What a Oregon borrower is actually offered

Most loans made to Oregon's 19,711 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Oregon's 19,711 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Oregon 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 Oregon 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 Oregon is the same as anywhere in Ohio.
What loan size can I expect in Oregon?
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 Oregon?
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 Oregon 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.

Nearby places

Related