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.
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.
- Population: about 8,652 people live here, which puts Sutherlin 61st of 240 Census places in Oregon (Vintage 2023).
- Population trend: The 2020-to-2023 change is positive, near 1.5%.
- People gained or lost: about 129 more since the 2020 base.
- Size percentile: roughly 75% of Oregon places rank below Sutherlin.
- Density: the Census land area of 6.1 sq mi holds about 1,416 people per square mile.
- Land area rank: Sutherlin's 6.1 square miles rank 38th of 240 places in Oregon.
- Water area: Sutherlin has 0.08 square miles of water, ranking 59th of 240 places in Oregon.
- Share of state population: Sutherlin's 8,652 residents are about 0.3% of Oregon.
- National rank: Sutherlin is the 3,476th most populous of the 19,457 Census places covered here.
- Growth rank: Sutherlin ranks 68th among Oregon's 240 places for the 2020-to-2023 change.
- State comparison: Oregon's places average +0.7% for 2020-to-2023, against Sutherlin's 1.5%.
- Density in Oregon: Sutherlin ranks 139th by people per square mile.
- Density vs Oregon: Sutherlin's 1,416 people per square mile compare with a state median of 1,575.
- Location: 43.3862, -123.3227 (Census Gazetteer coordinates).
- Nearest larger cities: Roseburg (11 mi); Cottage Grove (31 mi); Coos Bay (46 mi); North Bend (46 mi); Eugene (47 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller places close by: Oakland (3 mi); Yoncalla (15 mi); Drain (19 mi).
- Within a 50-mile radius: 18 smaller Census places.
- Within 100 miles: 17 places are larger than Sutherlin.
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.
| 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 |
| 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 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 |
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.
Common questions
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Nearby places
- Oakland, OR — population 951
- Roseburg, OR — population 23,861
- Yoncalla, OR — population 1,038
- Drain, OR — population 1,194
- Winston, OR — population 5,678
- Elkton, OR — population 187
- Myrtle Creek, OR — population 3,501
- Riddle, OR — population 1,224