Personal loans in Bend, OR
The roughly 104,557 people who live in Bend borrow under Oregon rules; city hall sets no personal-loan rate. Bend ranks 6th of 240 places in Oregon, with a population near 104,557. A 2020-to-2023 comparison shows Bend up by about 5.4%. Work out your debt-to-income ratio first; lenders weigh it heavily, and Bend's 104,557 residents are no exception. For a bigger market, look to Eugene, OR about 90 miles away. Every figure below is Oregon's own, applied to Bend's 104,557 residents, with the publisher and retrieval date attached.
Bend: the sourced local profile
Read the local figures below as context; read the sourced Oregon table as the rulebook a lender here must follow.
- Population: 104,557 residents; Bend is the 6th-largest of 240 places in Oregon (US Census Bureau, Vintage 2023).
- Population trend: A gain of roughly 5.4% between 2020 and 2023.
- People gained or lost: about 5,347 more since the 2020 base.
- Size percentile: with 104,557 residents, Bend is larger than about 98% of Oregon's Census places.
- Density: the Census land area of 35.2 sq mi holds about 2,973 people per square mile.
- Land area rank: Bend's 35.2 square miles rank 4th of 240 places in Oregon.
- Water area: Bend has 0.24 square miles of water, ranking 28th of 240 places in Oregon.
- Share of state population: Bend's 104,557 residents are about 3.5% of Oregon.
- National rank: Bend is 302nd of 19,457 places nationwide.
- Growth rank: Bend's 2020-to-2023 change ranks 15th of 240 places in Oregon.
- Against the state trend: Bend's 5.4% change compares with a Oregon average of +0.7% across its 240 places.
- Density rank: Bend is the 58th most densely settled place in Oregon.
- Density vs Oregon: Bend's 2,973 people per square mile compare with a state median of 1,575.
- Location: latitude 44.0567, longitude -121.3080 (Census Gazetteer).
- Nearest larger cities: Eugene (90 mi); Salem (104 mi); Gresham (114 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Nearest smaller places: Redmond (15 mi); Sisters (20 mi); La Pine (27 mi).
- Within a 50-mile radius: 7 smaller Census places.
- Larger places within 100 miles: 1.
Getting a loan in Bend
With about 2,973 residents per square mile, Bend is fairly dense, and 0 larger Census places sit within 50 miles. A Oregon licence lets a lender serve Bend without a local office, so branch density does not change what its 104,557 residents are offered. For a larger market, the closest option is Eugene, OR about 90 miles away.
What Oregon law requires in Bend
When Oregon does not publish a figure, the row links to the source instead of inventing a number; Bend is bound by the same rules.
| 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 |
| 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 |
| Small-loan / installment lender licensing | Consumer 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 |
Bend against the rest of Oregon
Set beside Oregon's 240 places, Bend ranks 6th by population and holds about 3.5% of the state total. For population change between 2020 and 2023, Bend ranks 15th of 240 in Oregon (about the 94th percentile). At about 2,973 people per square mile, Bend is the 58th most densely settled place in Oregon. Between 2020 and 2023 the count changed by roughly 5,347 residents.
Bend on the map
Bend covers about 35.2 square miles of land, with 0.24 square miles of water inside its boundaries (Census Gazetteer). With 104,557 residents, the land area yields roughly 2,973 people per square mile. The largest place in Oregon, Portland, lies about 122 miles away. A 50-mile radius around Bend takes in 0 places that are larger. By land area it ranks 4th of 240 Oregon places.
What a Bend borrower is actually offered
With roughly 104,557 residents, Bend is a sizable city; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Bend. Because the payment is fixed, the total cost of a Bend loan is knowable in advance — unlike a revolving card balance.
Common questions
What are my options in Bend if my credit is poor?
What loan size can I expect in Bend?
Do I have to pledge anything to borrow in Bend?
Does comparing loans in Bend cost me credit score points?
Nearby places
- Redmond, OR — population 37,009
- Sisters, OR — population 2,979
- La Pine, OR — population 2,540
- Culver, OR — population 1,670
- Prineville, OR — population 11,745
- Metolius, OR — population 1,022
- Madras, OR — population 7,744
- Idanha, OR — population 156