Personal loans in Lostine, OR

Lostine is a small community in Oregon, with an estimated 251 residents, and every licensed lender here follows the same state rulebook. Judge Lostine offers on total cost, not on how quickly the money arrives. Rate ceilings, licensing requirements and product limits for Lostine are all set at the Oregon level. A larger market lies at Wallowa, OR about 8 miles away.

Where Lostine stands

Read the local figures below as context; read the sourced Oregon table as the rulebook a lender here must follow.

• Population: 251 — Lostine ranks 213th of 240 communities in Oregon (US Census Bureau, Vintage 2023).
• Population trend: Higher by roughly 5.0% since the 2020 count.
• Change in people: the 2020-to-2023 comparison is a gain of about 12 residents.
• Size percentile: Lostine's 251 people outrank roughly 11% of the places in Oregon.
• Population density: about 872 people per square mile across 0.3 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Lostine covers 0.3 square miles, the 226th-largest area among Oregon's 240 places.
• State population share: Lostine accounts for about 0.0% of everyone in Oregon.
• National standing: Lostine ranks 15,745th of 19,457 US places.
• Growth rank: Lostine's 2020-to-2023 change ranks 18th of 240 places in Oregon.
• Against the state trend: Lostine's 5.0% change compares with a Oregon average of +0.7% across its 240 places.
• Density rank: Lostine places 183rd among Oregon's places by people per square mile.
• Density vs Oregon: Lostine's 872 people per square mile compare with a state median of 1,575.
• Location: the Census Gazetteer records it at 45.4867, -117.4295.
• Nearest larger cities: Wallowa (8 mi); Enterprise (8 mi); Joseph (13 mi); Cove (23 mi); Elgin (24 mi). Living near a larger metro rarely changes what is available in Lostine.
• Nearest smaller towns: Imbler (26 mi); Summerville (28 mi); Richland (51 mi).
• Smaller neighbours: 2 places smaller than Lostine sit within 50 miles.
• At 100 miles: 67 larger Census places fall inside that radius.

Lostine's place among Oregon's 240 places

Within Oregon, Lostine holds roughly 0.0% of all residents, the 213th-largest share among 240 places. For population change between 2020 and 2023, Lostine ranks 18th of 240 in Oregon (about the 92th percentile). At about 872 people per square mile, Lostine is the 183rd most densely settled place in Oregon. Between 2020 and 2023 the count changed by roughly 12 residents.

What Oregon law requires in Lostine

Oregon has no separate rate rule for Lostine; the sourced rows below are what reach every lender that serves its 251 people.

Inside a Lostine personal loan

With roughly 251 residents, Lostine is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Lostine loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Lostine loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

A pre-application checklist for Lostine

Before you apply in Lostine, a community of about 251, work through these steps:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Model the payment on the calculator before a lender models it for you.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Verify the lender's Oregon licence with the regulator listed on this page.
5. Look for an origination fee or prepayment penalty in the written disclosure.
6. Test the payment against your current bills before you commit.
7. Weigh a shorter term's higher payment against the interest it saves.

In Lostine as elsewhere in Oregon, the written terms — not the advertisement — are what count for its 251 residents.

Lostine on the map

Lostine's land area is roughly 0.3 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 872 people per square mile. For the state's biggest city, Portland, the distance is roughly 253 miles. Counting outward 50 miles, 11 larger communities surround Lostine. By land area it ranks 226th of 240 Oregon places.