Personal loans in Talent, OR

With roughly 6,332 residents, Talent is a small town, and the lending rules its borrowers live under are written in Oregon, not by the city. Which products a lender may offer to Talent's 6,332 residents follows from the Oregon consumer-lending framework. Compare APR, not the interest rate, because the APR folds in most fees on a Talent loan. A larger market lies at Ashland, OR about 5 miles away.

Talent by the numbers

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

• Population: about 6,332 people live here, which puts Talent 72nd of 240 Census places in Oregon (Vintage 2023).
• Population trend: Higher by roughly 0.7% since the 2020 count.
• Change in people: the 2020-to-2023 comparison is a gain of about 45 residents.
• Size percentile: roughly 70% of Oregon places rank below Talent.
• Population density: about 4,743 people per square mile across 1.3 square miles of land (Census Gazetteer area, Vintage 2023 population).
• By land area: Talent ranks 125th among Oregon's 240 places, at 1.3 sq mi.
• State population share: Talent accounts for about 0.2% of everyone in Oregon.
• Nationally: Talent is the 4,236th-largest of 19,457 Census places in the dataset.
• Growth in Oregon: Talent stands 101st by percentage change from 2020 to 2023, among 240 places.
• Versus Oregon: the state average change is +0.7%, while Talent moved 0.7%.
• Density in Oregon: Talent ranks 12th by people per square mile.
• Against the state median: Talent runs about 4,743 residents per square mile, where the Oregon median is 1,575.
• Location: it lies at 42.2405, -122.7812 in the Census Gazetteer.
• Nearest larger cities: Ashland (5 mi); Medford (8 mi); Central Point (11 mi); Eagle Point (16 mi); Grants Pass (31 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller towns: Phoenix (3 mi); Jacksonville (11 mi); Gold Hill (19 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 11 of them.
• Larger places within 100 miles: 10.

Borrowing reach in Talent

With about 4,743 residents per square mile, Talent is fairly dense, and 6 larger Census places sit within 50 miles. A Oregon licence lets a lender serve Talent without a local office, so branch density does not change what its 6,332 residents are offered. For a larger market, the closest option is Ashland, OR about 5 miles away.

The state rulebook for Talent

Read the table as a lender's compliance picture for Talent: the rule, the sourced figure, the publisher and the date.

Talent: area, density and distance

Talent's land area is roughly 1.3 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 4,743 people per square mile. The state's population centre of gravity, Portland, is roughly 228 miles away. Talent has 6 larger places within a 50-mile radius. By land area it ranks 125th of 240 Oregon places.

Before you apply in Talent

Complete these steps first when you borrow in Talent (6,332 residents):

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Shop at least three lenders and judge them on APR and total cost.
4. Check the Oregon regulator's records to confirm the lender is licensed here.
5. Borrow only what the purpose requires, not the maximum you are offered.
6. Decide the purpose and how you will repay it before approaching any lender.
7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

The process is identical across Oregon; what changes is your credit file, not the fact that Talent holds 6,332 people.

Talent's place among Oregon's 240 places

Among Oregon's 240 places, Talent sits at 72nd for population, a share of roughly 0.2% of the state. On the 2020-to-2023 trend, Talent stands 101st among Oregon's 240 places — roughly the 58th percentile. At about 4,743 people per square mile, Talent is the 12th most densely settled place in Oregon. Within 50 miles sit 11 smaller Census places, alongside the 6 that are larger.