Personal loans in Dayville, OR

Dayville is a small community of about 132 residents, and a personal loan taken out here is governed by Oregon statute. Dayville ranks 232nd of 240 places in Oregon, with a population near 132.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

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.

Borrowers who want a bigger city can look to Mount Vernon, OR about 21 miles away. Dayville's population was effectively unchanged from the 2020 count to the 2023 estimate. For the 132 people in Dayville, Oregon runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Work out your debt-to-income ratio first; lenders weigh it heavily, and Dayville's 132 residents are no exception.

The Dayville data picture

Only a few things actually differ by place — population, area, location, and the Oregon rules a lender must follow — and they are below.

How Oregon law applies in Dayville

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

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
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
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

Dayville against the rest of Oregon

Dayville is the 232nd-largest of 240 Census places in Oregon and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 124th of 240 Oregon places, putting it near the 48th percentile for growth. At about 251 people per square mile, Dayville is the 227th most densely settled place in Oregon. By land area, its 0.5 square miles rank 194th of 240 places in Oregon.

Borrowing reach in Dayville

With about 251 residents per square mile, Dayville is lightly settled, and 9 larger Census places sit within 50 miles. Lenders licensed in Oregon reach Dayville's 132 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Mount Vernon, OR about 21 miles away.

Dayville on the map

Dayville covers about 0.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 132 residents, the land area yields roughly 251 people per square mile. The state's population centre of gravity, Portland, is roughly 169 miles away. A 50-mile radius around Dayville takes in 9 places that are larger. The 100-mile radius contains 41 larger places.

What to do before borrowing in Dayville

A sensible order of operations for a loan in Dayville, home to about 132 people:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Test your amount and term in the personal loan calculator first.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Make sure the lender appears in the Oregon regulator's licence list.
  5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
  6. Check the disclosure for fees that raise the true cost above the quoted rate.
  7. Make sure the new payment leaves room in a budget you already keep.

None of these steps is Dayville-specific: the same Oregon licensing and disclosure rules reach all 132 residents.

Compare personal loan offers Run the numbers first

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