Personal loans in Wood Village, OR

Two households in Wood Village with comparable incomes can still be offered different rates; the city's 4,717 residents are not the reason. By population, Wood Village sits at 81st in Oregon, with an estimated 4,717 residents.

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.

The 2020 count to the 2023 estimate shows about 7.5% growth in Wood Village. For the 4,717 people in Wood Village, Oregon runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Wood Village loan. The nearest larger metro is Fairview, OR about 1 miles away.

Wood Village by the numbers

What follows is Wood Village's place in the Census record, alongside the Oregon rules that govern a personal loan made here.

Wood Village: area, density and distance

Wood Village covers about 0.9 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 5,007 people per square mile. The largest place in Oregon, Portland, lies about 11 miles away. Counting outward 50 miles, 39 larger communities surround Wood Village. The 100-mile radius contains 61 larger places.

What is available to Wood Village borrowers

At roughly 5,007 people per square mile, Wood Village is densely built; 39 larger places lie within 50 miles. Whether Wood Village has a local branch or not, a Oregon-licensed lender can serve its 4,717 people online on the same terms. For a larger market, the closest option is Fairview, OR about 1 miles away.

The anatomy of a Wood Village personal loan

A Wood Village personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 4,717 residents. A lender serving Wood Village's 4,717 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Wood Village loan is knowable in advance — unlike a revolving card balance.

Wood Village in state context

Among Oregon's 240 places, Wood Village sits at 81st for population, a share of roughly 0.2% of the state. For population change between 2020 and 2023, Wood Village ranks 10th of 240 in Oregon (about the 96th percentile). Its roughly 5,007 residents per square mile place it 7th among Oregon's places. By land area, its 0.9 square miles rank 148th of 240 places in Oregon.

The state rulebook for Wood Village

These are Oregon's sourced lending facts as they reach Wood Village's 4,717 residents; the state has no city-level rate rule.

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
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
Small-loan / installment lender licensingConsumer 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

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