Personal loans in Creswell, OR
A single loan can carry different costs on either side of a state line, and Creswell sits on the Oregon side of that line.
A personal loan in Creswell is priced from your credit file and income, not from the fact that the city holds 5,597 people. An estimated 5,597 people make their home in Creswell, a figure that ranks 76th in Oregon. Creswell shed about 0.8% of its population between the 2020 base and the 2023 estimate. For a community of about 5,597, the practical step is to compare APR across at least three lenders before committing. The nearest larger metro is Cottage Grove, OR about 9 miles away.
Borrowing in Creswell: the local picture
The figures below are Creswell's own — Census population, land area and coordinates — followed by the Oregon rules.
- Population: the Census counts 5,597 residents in Creswell (Vintage 2023 subcounty estimate), the 76th-largest figure among Oregon's 240 places.
- Population trend: Lower by roughly 0.8% since the 2020 count.
- People gained or lost: about 45 fewer since the 2020 base.
- Size percentile: Creswell's 5,597 people outrank roughly 68% of the places in Oregon.
- Density: the Census land area of 1.7 sq mi holds about 3,262 people per square mile.
- Land area rank: Creswell's 1.7 square miles rank 109th of 240 places in Oregon.
- Water area: Creswell has 0.02 square miles of water, ranking 84th of 240 places in Oregon.
- Within Oregon: about 0.2% of the state's population lives in Creswell.
- National rank: Creswell sits 4,537th by population among the 19,457 places in this dataset.
- Growth rank: Creswell's 2020-to-2023 change ranks 163rd of 240 places in Oregon.
- Against the state trend: Creswell's 0.8% change compares with a Oregon average of +0.7% across its 240 places.
- Density rank: Creswell places 44th among Oregon's places by people per square mile.
- Against the state median: Creswell runs about 3,262 residents per square mile, where the Oregon median is 1,575.
- Location: the Census Gazetteer records it at 43.9226, -123.0140.
- Nearest larger cities: Cottage Grove (9 mi); Springfield (9 mi); Eugene (11 mi); Junction City (22 mi); Sweet Home (37 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller towns: Lowell (12 mi); Coburg (15 mi); Veneta (19 mi) — useful context for the surrounding area.
- Smaller neighbours: 16 places smaller than Creswell sit within 50 miles.
- Within 100 miles: 34 places are larger than Creswell.
Creswell in state context
Among Oregon's 240 places, Creswell sits at 76th for population, a share of roughly 0.2% of the state. On the 2020-to-2023 trend, Creswell stands 163rd among Oregon's 240 places — roughly the 32th percentile. Its roughly 3,262 residents per square mile place it 44th among Oregon's places. Between 2020 and 2023 the count changed by roughly 45 residents.
Creswell on the map
Inside Creswell's boundaries lie roughly 1.7 square miles of land and 0.02 square miles of water. Spread across it are roughly 3,262 residents per square mile. Portland, the largest place in Oregon, is about 113 miles from Creswell. Counting outward 50 miles, 10 larger communities surround Creswell. The 100-mile radius contains 34 larger places.
What is available to Creswell borrowers
Creswell is fairly dense, with about 3,262 people per square mile and 10 larger places within 50 miles. What is available to Creswell's 5,597 borrowers is set by Oregon licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Cottage Grove, OR about 9 miles away.
How personal loans work in Creswell
With roughly 5,597 residents, Creswell is a small town; 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 Creswell. The term you choose in Creswell decides the split between a comfortable payment and the total interest you pay.
Oregon rules behind a Creswell personal loan
This table holds the Oregon rate and licensing rules for consumer loans made to Creswell's 5,597 residents.
| 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 |
| 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 |
| Unlicensed lending consequence (state-specific rule) | Unlicensed consumer finance loans are void and uncollectible (principal, interest, fees). Source says: "the consumer finance loan is void... may not... collect, receive or retain principal, interest, a fee or a charge related to... the consumer finance loan" (ORS 725.045(1)(b)). | Oregon Legislative Assembly (Oregon Revised Statutes) as of 2026-09-16 |
Common questions
What are my options in Creswell if my credit is poor?
What loan size can I expect in Creswell?
Do I have to pledge anything to borrow in Creswell?
Does comparing loans in Creswell cost me credit score points?
Nearby places
- Cottage Grove, OR — population 10,623
- Springfield, OR — population 61,085
- Eugene, OR — population 177,899
- Coburg, OR — population 1,311
- Lowell, OR — population 1,256
- Junction City, OR — population 7,072
- Veneta, OR — population 5,183
- Harrisburg, OR — population 3,701