Personal loans in Prescott, OR

The trend for Prescott between 2020 and 2023 is upward by roughly 1.3%. Work out your debt-to-income ratio first; lenders weigh it heavily, and Prescott's 80 residents are no exception. For a bigger market, look to Kalama, WA about 3 miles away. Rate ceilings, licensing requirements and product limits for Prescott are all set at the Oregon level.

Prescott: the sourced local profile

What follows is Prescott's place in the Census record, alongside the Oregon rules that govern a personal loan made here.

• Population: 80 people, a figure that places Prescott 235th among the 240 Census places in Oregon (US Census Bureau, Vintage 2023).
• Population trend: Growth of about 1.3% across the 2020-to-2023 comparison.
• People gained or lost: about 1 more since the 2020 base.
• Size percentile: Prescott's 80 people outrank roughly 2% of the places in Oregon.
• Population density: 1,159 people per square mile on 0.1 square miles of land.
• Land area: Prescott covers 0.1 square miles, the 238th-largest area among Oregon's 240 places.
• State share: roughly 0.0% of Oregon's residents live in Prescott (80 people).
• National rank: Prescott is 18,489th of 19,457 places nationwide.
• Growth in Oregon: Prescott stands 77th by percentage change from 2020 to 2023, among 240 places.
• Versus Oregon: the state average change is +0.7%, while Prescott moved 1.3%.
• Density in Oregon: Prescott ranks 153rd by people per square mile.
• Density in context: Prescott's 1,159 people per square mile sit against a Oregon median of 1,575.
• Location: coordinates 46.0476, -122.8871 (US Census Bureau Gazetteer).
• Nearest larger cities: Kalama (3 mi); Rainier (3 mi); Kelso (5 mi); Longview (8 mi); Columbia City (11 mi). A branch is convenient; it is not what sets your APR.
• Smaller places within 50 miles: 0 of them.
• Larger places within 100 miles: 173.

A practical checklist for Prescott borrowers

Before you apply in Prescott, a community of about 80, work through these steps:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Model the payment on the calculator before a lender models it for you.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Confirm the lender holds a Oregon licence by checking the regulator named above.
5. Check the disclosure for fees that raise the true cost above the quoted rate.
6. Test the payment against your current bills before you commit.
7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

In Prescott as elsewhere in Oregon, the written terms — not the advertisement — are what count for its 80 residents.

How Oregon law applies in Prescott

Every row below records a Oregon rule, its publisher and its retrieval date — the same rules a Prescott lender must follow.

Getting a loan in Prescott

At roughly 1,159 people per square mile, Prescott is moderately settled; 56 larger places lie within 50 miles. Whether Prescott has a local branch or not, a Oregon-licensed lender can serve its 80 people online on the same terms. For a larger market, the closest option is Kalama, WA about 3 miles away.

Prescott: area, density and distance

Inside Prescott's boundaries lie about 0.1 square miles of land, with no significant water area recorded. The resulting density is about 1,159 people per square mile. The state's population centre of gravity, Portland, is roughly 37 miles away. A 50-mile radius around Prescott takes in 56 places that are larger. By land area it ranks 238th of 240 Oregon places.

Inside a Prescott personal loan

Prescott is a small community of about 80 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Prescott's rank of 235th in Oregon: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Prescott loan is knowable in advance — unlike a revolving card balance.