Personal loans in Medford, OR

Population in Medford dropped about 1.0% over the three years from 2020 to 2023. Use the calculator on this page to price an amount and term before you commit in Medford. A larger market lies at Eugene, OR about 120 miles away. For the 85,098 people in Medford, Oregon runs its own consumer-lending licensing, and the sourced table below lists the figures that apply.

The Medford data picture

Set out below is Medford's local context next to the state-level rules that reach every lender here.

• Population: the Census counts 85,098 residents in Medford (Vintage 2023 subcounty estimate), the 8th-largest figure among Oregon's 240 places.
• Population trend: Roughly 1.0% fewer residents than the 2020 Census counted.
• People gained or lost: about 890 fewer since the 2020 base.
• Size percentile: with 85,098 residents, Medford is larger than about 97% of Oregon's Census places.
• Population density: about 2,977 people per square mile (Census land area 28.6 sq mi).
• Land area rank: Medford's 28.6 square miles rank 5th of 240 places in Oregon.
• Water area: Medford has 0.01 square miles of water, ranking 90th of 240 places in Oregon.
• Share of Oregon: Medford holds about 2.8% of the state's population, some 85,098 people.
• National rank: Medford sits 407th by population among the 19,457 places in this dataset.
• Growth in Oregon: Medford stands 172nd by percentage change from 2020 to 2023, among 240 places.
• Against the state trend: Medford's 1.0% change compares with a Oregon average of +0.7% across its 240 places.
• Density rank: Medford is the 57th most densely settled place in Oregon.
• Against the state median: Medford runs about 2,977 residents per square mile, where the Oregon median is 1,575.
• Location: 42.3360 / -122.8518, per the US Census Bureau Gazetteer.
• Nearest larger cities: Eugene (120 mi). A branch is convenient; it is not what sets your APR.
• Nearest smaller places: Central Point (4 mi); Phoenix (5 mi); Jacksonville (6 mi).
• Smaller neighbours: 16 places smaller than Medford sit within 50 miles.
• Within 100 miles: 0 places are larger than Medford.

The Medford borrowing checklist

These steps shape the offer you get in Medford, a place of about 85,098 people:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Check the Oregon regulator's records to confirm the lender is licensed here.
5. Borrow only what the purpose requires, not the maximum you are offered.
6. Be clear on what the loan is for and how it gets repaid.
7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

The process is identical across Oregon; what changes is your credit file, not the fact that Medford holds 85,098 people.

How a Medford personal loan is priced

With roughly 85,098 residents, Medford is a mid-sized city; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Medford's 85,098 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Medford loan is knowable in advance — unlike a revolving card balance.

Medford against the rest of Oregon

Among Oregon's 240 places, Medford sits at 8th for population, a share of roughly 2.8% of the state. Its 2020-to-2023 change ranks 172nd of 240 Oregon places, putting it near the 28th percentile for growth. By density, at about 2,977 people per square mile, it ranks 57th in Oregon. Within 50 miles sit 16 smaller Census places, alongside the 0 that are larger.

Medford: area, density and distance

Medford's land area is about 28.6 square miles; a further 0.01 square miles is water. That land carries about 2,977 people per square mile. The state's population centre of gravity, Portland, is roughly 221 miles away. Counting outward 50 miles, 0 larger communities surround Medford. By land area it ranks 5th of 240 Oregon places.

How Oregon law applies in Medford

This table holds the Oregon rate and licensing rules for consumer loans made to Medford's 85,098 residents.