Personal loans in Phoenix, OR

An estimated 4,422 people make their home in Phoenix, a figure that ranks 83rd in Oregon. Judge Phoenix offers on total cost, not on how quickly the money arrives. Every figure below is Oregon's own, applied to Phoenix's 4,422 residents, with the publisher and retrieval date attached. The closest larger city is Talent, OR about 3 miles away.

Phoenix: the sourced local profile

Phoenix is a small community; the notes below cover its population profile and the statewide rules that apply.

• Population: a Census-estimated 4,422, 83rd among Oregon's 240 places (Vintage 2023).
• Population trend: A decline of about 1.3% across the 2020-to-2023 comparison.
• Absolute change: 58 residents lost between 2020 and 2023.
• Size percentile: roughly 65% of Oregon's places have fewer residents than Phoenix's 4,422.
• Land and density: 1.4 square miles of land carry roughly 3,097 residents per square mile.
• By land area: Phoenix ranks 120th among Oregon's 240 places, at 1.4 sq mi.
• Within Oregon: about 0.1% of the state's population lives in Phoenix.
• Nationally: Phoenix is the 5,191st-largest of 19,457 Census places in the dataset.
• Growth rank: Phoenix's 2020-to-2023 change ranks 182nd of 240 places in Oregon.
• Versus Oregon: the state average change is +0.7%, while Phoenix moved 1.3%.
• Density rank: Phoenix is the 53rd most densely settled place in Oregon.
• Against the state median: Phoenix runs about 3,097 residents per square mile, where the Oregon median is 1,575.
• Location: 42.2748 / -122.8153, per the US Census Bureau Gazetteer.
• Nearest larger cities: Talent (3 mi); Medford (5 mi); Ashland (8 mi); Central Point (9 mi); Eagle Point (13 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller communities within reach: Jacksonville (8 mi); Gold Hill (16 mi); Rogue River (21 mi).
• Smaller neighbours: 9 places smaller than Phoenix sit within 50 miles.
• Larger places within 100 miles: 13.

Before you apply in Phoenix

Before you hand your details to a lender in Phoenix, where the population is near 4,422:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Check the Oregon regulator's records to confirm the lender is licensed here.
5. Write down the purpose of the loan and your repayment plan before you apply.
6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
7. Look for an origination fee or prepayment penalty in the written disclosure.

In Phoenix as elsewhere in Oregon, the written terms — not the advertisement — are what count for its 4,422 residents.

Phoenix on the map

Phoenix's land area is roughly 1.4 square miles, and the Gazetteer records no significant water area within it. With 4,422 residents, the land area yields roughly 3,097 people per square mile. The largest place in Oregon, Portland, lies about 226 miles away. Counting outward 50 miles, 7 larger communities surround Phoenix. Within the same 50 miles lie 9 smaller Census places.

How Oregon law applies in Phoenix

The rows below set out what a licensed lender must follow in Oregon, and so for Phoenix's roughly 4,422 residents.

How a Phoenix personal loan is priced

Most loans made to Phoenix's 4,422 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Phoenix can be quoted different APRs on the same amount and term. The term you choose in Phoenix decides the split between a comfortable payment and the total interest you pay.

Phoenix in state context

Against Oregon's other places, Phoenix accounts for about 0.1% of the state's population and ranks 83rd of 240 by size. For population change between 2020 and 2023, Phoenix ranks 182nd of 240 in Oregon (about the 24th percentile). At about 3,097 people per square mile, Phoenix is the 53rd most densely settled place in Oregon. Between 2020 and 2023 the count changed by roughly 58 residents.