Personal loans in Ione, OR

Ione ranks 208th of 240 places in Oregon, with a population near 325. The 2020 count to the 2023 estimate shows about 4.1% decline in Ione. Decide the purpose of the loan and your repayment plan before sharing any details with a Ione lender. The nearest larger city is Heppner, OR about 16 miles away.

What the Census records for Ione

Most of what governs a Ione loan is written in Oregon law rather than in the city; the sourced notes below make that split concrete.

• Population: 325 people, a figure that places Ione 208th among the 240 Census places in Oregon (US Census Bureau, Vintage 2023).
• Population trend: The 2020-to-2023 change is negative, near 4.1%.
• Change in people: the 2020-to-2023 comparison is a loss of about 14 residents.
• Size percentile: with 325 residents, Ione is larger than about 13% of Oregon's Census places.
• Population density: about 428 people per square mile (Census land area 0.8 sq mi).
• By land area: Ione ranks 172nd among Oregon's 240 places, at 0.8 sq mi.
• Within Oregon: about 0.0% of the state's population lives in Ione.
• National rank: Ione is the 14,836th most populous of the 19,457 Census places covered here.
• Growth in Oregon: Ione stands 234th by percentage change from 2020 to 2023, among 240 places.
• State comparison: Oregon's places average +0.7% for 2020-to-2023, against Ione's 4.1%.
• Density in Oregon: Ione ranks 220th by people per square mile.
• Against the state median: Ione runs about 428 residents per square mile, where the Oregon median is 1,575.
• Location: the Census Gazetteer records it at 45.5029, -119.8220.
• Nearest larger cities: Heppner (16 mi); Arlington (23 mi); Boardman (24 mi); Condon (26 mi); Irrigon (32 mi). Larger metros often have more branches, but online lenders reach Ione on the same terms.
• Smaller places nearby: Lexington (8 mi); Lonerock (29 mi); Spray (46 mi).
• Within a 50-mile radius: 5 smaller Census places.
• At 100 miles: 70 larger Census places fall inside that radius.

The geography behind Ione

Inside Ione's boundaries lie about 0.8 square miles of land, with no significant water area recorded. That land carries about 428 people per square mile. The state's population centre of gravity, Portland, is roughly 137 miles away. A 50-mile radius around Ione takes in 16 places that are larger. By land area it ranks 172nd of 240 Oregon places.

Before you apply in Ione

Complete these steps first when you borrow in Ione (325 residents):

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Model the payment on the calculator before a lender models it for you.
3. Shop at least three lenders and judge them on APR and total cost.
4. Make sure the lender appears in the Oregon regulator's licence list.
5. Look for an origination fee or prepayment penalty in the written disclosure.
6. Make sure the new payment leaves room in a budget you already keep.
7. Pick the shortest term whose payment you can comfortably afford.

None of these steps is Ione-specific: the same Oregon licensing and disclosure rules reach all 325 residents.

How a Ione personal loan is priced

Ione is a small community of about 325 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Ione's rank of 208th in Oregon: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Ione loan is knowable in advance — unlike a revolving card balance.

Where Ione sits in Oregon

Against Oregon's other places, Ione accounts for about 0.0% of the state's population and ranks 208th of 240 by size. Its 2020-to-2023 change ranks 234th of 240 Oregon places, putting it near the 2th percentile for growth. Its roughly 428 residents per square mile place it 220th among Oregon's places. The population moved by about 14 people between 2020 and 2023, a 4.1% shift.

Which Oregon laws govern a loan in Ione

The rows below set out what a licensed lender must follow in Oregon, and so for Ione's roughly 325 residents.