Personal loans in Pendleton, OR

Read the disclosure for an origination fee and any prepayment penalty before signing in Pendleton. When Oregon caps or restricts a product, lenders either change the terms or withdraw it from Pendleton as from the rest of the state. The trend for Pendleton between 2020 and 2023 is upward by roughly 1.3%. The next larger city is Hermiston, OR about 25 miles away.

Local context for Pendleton

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

• Population: 17,289 — Pendleton ranks 36th of 240 communities in Oregon (US Census Bureau, Vintage 2023).
• Population trend: A gain of roughly 1.3% between 2020 and 2023.
• People gained or lost: about 214 more since the 2020 base.
• Size percentile: about 85% of Oregon's Census places are smaller than Pendleton.
• Population density: 1,494 people per square mile on 11.6 square miles of land.
• By land area: Pendleton ranks 18th among Oregon's 240 places, at 11.6 sq mi.
• State population share: Pendleton accounts for about 0.6% of everyone in Oregon.
• National standing: Pendleton ranks 2,124th of 19,457 US places.
• Growth rank: Pendleton ranks 80th among Oregon's 240 places for the 2020-to-2023 change.
• State comparison: Oregon's places average +0.7% for 2020-to-2023, against Pendleton's 1.3%.
• Density rank: Pendleton places 129th among Oregon's places by people per square mile.
• Density vs Oregon: Pendleton's 1,494 people per square mile compare with a state median of 1,575.
• Location: it lies at 45.6755, -118.8195 in the Census Gazetteer.
• Nearest larger cities: Hermiston (25 mi); Walla Walla (36 mi); Kennewick (40 mi); Pasco (43 mi); Richland (48 mi). Living near a larger metro rarely changes what is available in Pendleton.
• Smaller communities close by: Pilot Rock (13 mi); Adams (14 mi); Helix (14 mi), each with its own Census population profile.
• Within a 50-mile radius: 22 smaller Census places.
• Within 100 miles: 6 places are larger than Pendleton.

Borrowing reach in Pendleton

With about 1,494 residents per square mile, Pendleton is moderately settled, and 5 larger Census places sit within 50 miles. Lenders licensed in Oregon reach Pendleton's 17,289 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Hermiston, OR about 25 miles away.

How personal loans work in Pendleton

Pendleton is a small town of about 17,289 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Pendleton lender to disclose the APR and finance charge before you sign. Shortening the term on a Pendleton loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

The Oregon lending rules that reach Pendleton

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

Where Pendleton sits in Oregon

Pendleton is the 36th-largest of 240 Census places in Oregon and contains about 0.6% of the state's people. Its 2020-to-2023 change ranks 80th of 240 Oregon places, putting it near the 67th percentile for growth. At about 1,494 people per square mile, Pendleton is the 129th most densely settled place in Oregon. In land area, Pendleton ranks 18th among Oregon's 240 places.

Where Pendleton sits

Pendleton covers about 11.6 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 1,494 people per square mile. The largest place in Oregon, Portland, lies about 185 miles away. Within 50 miles of Pendleton there are 5 larger Census places. Within the same 50 miles lie 22 smaller Census places.