Personal loans in Sutherlin, OR

A single loan can carry different costs on either side of a state line, and Sutherlin sits on the Oregon side of that line.

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

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.

Two households in Sutherlin with comparable incomes can still be offered different rates; the city's 8,652 residents are not the reason. Sutherlin is home to roughly 8,652 people and stands 61st by size out of 240 Census places in Oregon. From the 2020 Census base to the 2023 estimate, the population rose by about 1.5%. Judge Sutherlin offers on total cost, not on how quickly the money arrives. For a bigger market, look to Roseburg, OR about 11 miles away.

Sutherlin: the sourced local profile

Most of what governs a Sutherlin loan is written in Oregon law rather than in the city; the sourced notes below make that split concrete.

Where Sutherlin sits in Oregon

Set beside Oregon's 240 places, Sutherlin ranks 61st by population and holds about 0.3% of the state total. On the 2020-to-2023 trend, Sutherlin stands 68th among Oregon's 240 places — roughly the 72th percentile. Its roughly 1,416 residents per square mile place it 139th among Oregon's places. Between 2020 and 2023 the count changed by roughly 129 residents.

How a Sutherlin personal loan is priced

A Sutherlin personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 8,652 residents. Federal Truth in Lending rules require a Sutherlin lender to disclose the APR and finance charge before you sign. Shortening the term on a Sutherlin loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

How Oregon law applies in Sutherlin

Oregon has no separate rate rule for Sutherlin; the sourced rows below are what reach every lender that serves its 8,652 people.

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
Maximum legal interest rate (usury cap)9% per annum default legal rate where the parties have not agreed to a rate.
Source says: "The rate of interest for the following transactions, if the parties have not otherwise agreed to a rate of interest, is nine percent per annum" (ORS 82.010(1)).
Oregon Legislative Assembly (Oregon Revised Statutes)
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

Borrowing reach in Sutherlin

Sutherlin is a moderately settled community of about 8,652 people, with 6 larger places inside a 50-mile radius. Whether Sutherlin has a local branch or not, a Oregon-licensed lender can serve its 8,652 people online on the same terms. The nearest larger city, Roseburg, OR about 11 miles away.

Where Sutherlin sits

Sutherlin covers about 6.1 square miles of land, with 0.08 square miles of water inside its boundaries (Census Gazetteer). That land carries about 1,416 people per square mile. The state's population centre of gravity, Portland, is roughly 152 miles away. Counting outward 50 miles, 6 larger communities surround Sutherlin. Within the same 50 miles lie 18 smaller Census places.

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

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