Personal loans in Sheridan, OR
A 2020-to-2023 comparison shows Sheridan up by about 0.6%. About 6,483 people live in Sheridan, placing it 71st of 240 Census places in Oregon. Two households in Sheridan with comparable incomes can still be offered different rates; the city's 6,483 residents are not the reason. Use the calculator on this page to price an amount and term before you commit in Sheridan. Every figure below is Oregon's own, applied to Sheridan's 6,483 residents, with the publisher and retrieval date attached. For a bigger market, look to Dallas, OR about 13 miles away.
Local context for Sheridan
Most of what governs a Sheridan loan is written in Oregon law rather than in the city; the sourced notes below make that split concrete.
- Population: the Census counts 6,483 residents in Sheridan (Vintage 2023 subcounty estimate), the 71st-largest figure among Oregon's 240 places.
- Population trend: Higher by roughly 0.6% since the 2020 count.
- Absolute change: 38 residents added between 2020 and 2023.
- Size percentile: bigger than about 70% of the places in Oregon, with 6,483 residents in Sheridan.
- Population density: about 3,074 people per square mile across 2.1 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Sheridan covers 2.1 square miles, the 93rd-largest area among Oregon's 240 places.
- Water area: Sheridan has 0.05 square miles of water, ranking 65th of 240 places in Oregon.
- Share of Oregon: Sheridan holds about 0.2% of the state's population, some 6,483 people.
- Nationally: Sheridan is the 4,181st-largest of 19,457 Census places in the dataset.
- Growth rank: Sheridan ranks 104th among Oregon's 240 places for the 2020-to-2023 change.
- Versus Oregon: the state average change is +0.7%, while Sheridan moved 0.6%.
- Density in Oregon: Sheridan ranks 55th by people per square mile.
- Density in context: Sheridan's 3,074 people per square mile sit against a Oregon median of 1,575.
- Location: 45.0959, -123.3981 (Census Gazetteer coordinates).
- Nearest larger cities: Dallas (13 mi); McMinnville (13 mi); Monmouth (19 mi); Independence (19 mi); Keizer (19 mi). Lenders licensed in the state serve Sheridan whether or not they keep a local branch.
- Smaller towns nearby: Willamina (4 mi); Amity (10 mi); Falls City (16 mi).
- Smaller places within 50 miles: 43 of them.
- Within 100 miles: 54 places are larger than Sheridan.
What Oregon law requires in Sheridan
This table holds the Oregon rate and licensing rules for consumer loans made to Sheridan's 6,483 residents.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Oregon 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 status | Legal 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 licensing | Consumer 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 |
What a Sheridan borrower is actually offered
With roughly 6,483 residents, Sheridan is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Sheridan's rank of 71st 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 Sheridan loan is knowable in advance — unlike a revolving card balance.
Sheridan: area, density and distance
Sheridan covers about 2.1 square miles of land, with 0.05 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 3,074 residents per square mile. The largest place in Oregon, Portland, lies about 47 miles away. Within 50 miles of Sheridan there are 32 larger Census places. By land area it ranks 93rd of 240 Oregon places.
Lender access in Sheridan
At roughly 3,074 people per square mile, Sheridan is fairly dense; 32 larger places lie within 50 miles. Lenders licensed in Oregon reach Sheridan's 6,483 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Dallas, OR about 13 miles away.
How Sheridan compares across Oregon
Within Oregon, Sheridan holds roughly 0.2% of all residents, the 71st-largest share among 240 places. On the 2020-to-2023 trend, Sheridan stands 104th among Oregon's 240 places — roughly the 57th percentile. By density, at about 3,074 people per square mile, it ranks 55th in Oregon. By land area, its 2.1 square miles rank 93rd of 240 places in Oregon.
Common questions
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Nearby places
- Willamina, OR — population 2,258
- Dallas, OR — population 17,644
- Amity, OR — population 1,763
- Falls City, OR — population 1,066
- McMinnville, OR — population 34,450
- Monmouth, OR — population 11,270
- Carlton, OR — population 2,225
- Independence, OR — population 10,247