Personal loans in Wallowa, OR

The Census estimates 828 residents in Wallowa, which ranks it 172nd of 240 places in Oregon. The nearest larger city is Enterprise, OR about 16 miles away. For the 828 people in Wallowa, Oregon runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Use the calculator on this page to price an amount and term before you commit in Wallowa.

Borrowing in Wallowa: the local picture

Here is the sourced Census picture for Wallowa, plus the Oregon lending rules that apply to a loan taken out here.

• Population: the Census counts 828 residents in Wallowa (Vintage 2023 subcounty estimate), the 172nd-largest figure among Oregon's 240 places.
• Population trend: Roughly 3.6% more residents than the 2020 Census counted.
• Absolute change: 29 residents added between 2020 and 2023.
• Size percentile: roughly 28% of Oregon places rank below Wallowa.
• Density: roughly 1,355 residents per square mile, spread over 0.6 sq mi of land.
• Land area: Wallowa covers 0.6 square miles, the 186th-largest area among Oregon's 240 places.
• State population share: Wallowa accounts for about 0.0% of everyone in Oregon.
• National rank: Wallowa is 11,034th of 19,457 places nationwide.
• Growth rank: Wallowa ranks 36th among Oregon's 240 places for the 2020-to-2023 change.
• Versus Oregon: the state average change is +0.7%, while Wallowa moved 3.6%.
• Density rank: Wallowa places 143rd among Oregon's places by people per square mile.
• Density in context: Wallowa's 1,355 people per square mile sit against a Oregon median of 1,575.
• Location: coordinates 45.5703, -117.5286 (US Census Bureau Gazetteer).
• Nearest larger cities: Enterprise (16 mi); Elgin (19 mi); Joseph (21 mi); Union (30 mi); Island City (30 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller towns nearby: Lostine (8 mi); Imbler (22 mi); Cove (23 mi).
• Within a 50-mile radius: 7 smaller Census places.
• At 100 miles: 43 larger Census places fall inside that radius.

Wallowa: area, density and distance

Inside Wallowa's boundaries lie about 0.6 square miles of land, with no significant water area recorded. Spread across it are roughly 1,355 residents per square mile. For the state's biggest city, Portland, the distance is roughly 248 miles. Within 50 miles of Wallowa there are 8 larger Census places. By land area it ranks 186th of 240 Oregon places.

Wallowa against the rest of Oregon

Within Oregon, Wallowa holds roughly 0.0% of all residents, the 172nd-largest share among 240 places. For population change between 2020 and 2023, Wallowa ranks 36th of 240 in Oregon (about the 85th percentile). By density, at about 1,355 people per square mile, it ranks 143rd in Oregon. Within 50 miles sit 7 smaller Census places, alongside the 8 that are larger.

How Oregon law applies in Wallowa

Every row below records a Oregon rule, its publisher and its retrieval date — the same rules a Wallowa lender must follow.

The Wallowa borrowing checklist

These steps shape the offer you get in Wallowa, a place of about 828 people:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Check the Oregon regulator's records to confirm the lender is licensed here.
5. Keep the amount to the expense; an approval is not a reason to take more.
6. Write down the purpose of the loan and your repayment plan before you apply.
7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

What differs between Wallowa and the rest of Oregon is not the process but the borrower's own file, among the 828 people here.

Borrowing reach in Wallowa

At roughly 1,355 people per square mile, Wallowa is moderately settled; 8 larger places lie within 50 miles. Lenders licensed in Oregon reach Wallowa's 828 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Enterprise, OR about 16 miles away.