Personal loans in Scio, OR

An estimated 961 people make their home in Scio, a figure that ranks 166th in Oregon. Scio counts about 961 people, and what is genuinely local about borrowing here is limited — Oregon law does the governing.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

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.

Census figures put the 2020-to-2023 decrease in Scio at about 0.6%. Use the calculator on this page to price an amount and term before you commit in Scio. To lend to Scio's 961 residents, a company must hold a Oregon licence, and each sourced row below names the regulator behind it. The closest larger city is Stayton, OR about 7 miles away.

Scio by the numbers

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

Getting a loan in Scio

Scio is a fairly dense community of about 961 people, with 57 larger places inside a 50-mile radius. Whether Scio has a local branch or not, a Oregon-licensed lender can serve its 961 people online on the same terms. The nearest larger city, Stayton, OR about 7 miles away.

What Oregon law requires in Scio

Below are the Oregon rules that apply to a loan made in Scio, each with the regulator that issued it.

RuleDetailSource
State lending regulatorOregon Division of Financial Regulation (Department of Consumer and Business Services)
Source says: "Protecting Oregonians' access to fair products and services through education, regulation, and consumer assistance."		Oregon Division of Financial Regulation
as of 2026-09-16
Payday lending statusLegal for licensed payday/title lenders; term 31-60 days; one-time 10% origination fee capped at $30; interest limited to 36%/yr; max APR 153.77%.
Source says: "Interest rates are limited to 36 percent annually. The maximum APR (interest and fees) is 153.77 percent"; "A one-time 10 percent loan origination fee, up to a maximum of $30 for a new loan"; "The payday or title loan must be for at least 31 days and not longer than 60 days."		Oregon Division of Financial Regulation
as of 2026-09-16
Small-loan / installment lender licensingConsumer finance license required to make consumer finance loans of $50,000 or less; license issued by the Director of the Department of Consumer and Business Services.
Source says: "a consumer finance loan of $50,000 or less... unless the person first obtains a license under this chapter" (ORS 725.045).		Oregon Legislative Assembly (Oregon Revised Statutes)
as of 2026-09-16

Scio: area, density and distance

The Census Gazetteer records about 0.4 square miles of land within Scio, with no significant water area listed. With 961 residents, the land area yields roughly 2,179 people per square mile. For the state's biggest city, Portland, the distance is roughly 58 miles. Counting outward 50 miles, 57 larger communities surround Scio. The 100-mile radius contains 122 larger places.

Scio's place among Oregon's 240 places

Within Oregon, Scio holds roughly 0.0% of all residents, the 166th-largest share among 240 places. Its 2020-to-2023 change ranks 152nd of 240 Oregon places, putting it near the 37th percentile for growth. Its roughly 2,179 residents per square mile place it 90th among Oregon's places. Within 50 miles sit 11 smaller Census places, alongside the 57 that are larger.

Inside a Scio personal loan

Most loans made to Scio's 961 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Scio lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Scio loan but raises total interest, so the smallest payment is not the cheapest loan.

Compare personal loan offers Run the numbers first

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 Scio 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 Scio is the same as anywhere in Oregon.
What loan size can I expect in Scio?
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 Scio?
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 Scio 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

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