Personal loans in Merrill, OR

Rate-shopping from Merrill costs nothing at pre-qualification, where a soft pull leaves your credit file alone. Consumer lending that reaches Merrill's 834 residents is governed by Oregon statute; no city ordinance changes it. Census figures put the 2020-to-2023 increase in Merrill at about 1.0%. The next larger city is Tulelake, CA about 8 miles away.

Local context for Merrill

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

• Population: about 834 people live here, which puts Merrill 171st of 240 Census places in Oregon (Vintage 2023).
• Population trend: Roughly 1.0% more residents than the 2020 Census counted.
• Change in people: the 2020-to-2023 comparison is a gain of about 8 residents.
• Size percentile: roughly 29% of Oregon's places have fewer residents than Merrill's 834.
• Density: roughly 1,741 residents per square mile, spread over 0.5 sq mi of land.
• By land area: Merrill ranks 204th among Oregon's 240 places, at 0.5 sq mi.
• State share: roughly 0.0% of Oregon's residents live in Merrill (834 people).
• National rank: Merrill is 11,006th of 19,457 places nationwide.
• Growth rank: Merrill's 2020-to-2023 change ranks 91st of 240 places in Oregon.
• Against the state trend: Merrill's 1.0% change compares with a Oregon average of +0.7% across its 240 places.
• Density rank: Merrill is the 108th most densely settled place in Oregon.
• Density vs Oregon: Merrill's 1,741 people per square mile compare with a state median of 1,575.
• Location: 42.0259, -121.6007 (Census Gazetteer coordinates).
• Nearest larger cities: Tulelake (8 mi); Klamath Falls (16 mi); Montague (52 mi); Yreka (57 mi); Ashland (57 mi). Larger metros often have more branches, but online lenders reach Merrill on the same terms.
• Smaller communities within reach: Malin (10 mi); Bonanza (16 mi); Dorris (17 mi).
• Smaller places within 50 miles: 4 of them.
• At 100 miles: 20 larger Census places fall inside that radius.

Getting a loan in Merrill

At roughly 1,741 people per square mile, Merrill is moderately settled; 2 larger places lie within 50 miles. Distance to a branch rarely matters for Merrill's 834 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Tulelake, CA about 8 miles away.

Merrill on the map

Merrill's land area is roughly 0.5 square miles, and the Gazetteer records no significant water area within it. That land carries about 1,741 people per square mile. For the state's biggest city, Portland, the distance is roughly 248 miles. Counting outward 50 miles, 2 larger communities surround Merrill. The 100-mile radius contains 20 larger places.

The state rulebook for Merrill

Below are the Oregon rules that apply to a loan made in Merrill, each with the regulator that issued it.

Inside a Merrill personal loan

With roughly 834 residents, Merrill is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Merrill lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Merrill loan is knowable in advance — unlike a revolving card balance.

How Merrill compares across Oregon

Against Oregon's other places, Merrill accounts for about 0.0% of the state's population and ranks 171st of 240 by size. Its 2020-to-2023 change ranks 91st of 240 Oregon places, putting it near the 62th percentile for growth. By density, at about 1,741 people per square mile, it ranks 108th in Oregon. Within 50 miles sit 4 smaller Census places, alongside the 2 that are larger.