Personal loans in Mitchell, OR
When Oregon caps or restricts a product, lenders either change the terms or withdraw it from Mitchell as from the rest of the state. With an estimated 137 residents, Mitchell is the 231st-largest of 240 places in Oregon.
If you are weighing a personal loan in Mitchell, start from the payment you can carry; its 137 residents face the same statewide rules. Census figures put the 2020-to-2023 decrease in Mitchell at about 0.7%. Decide the purpose of the loan and your repayment plan before sharing any details with a Mitchell lender. The nearest larger city is Spray, OR about 25 miles away.
Mitchell: the sourced local profile
Only a few things actually differ by place — population, area, location, and the Oregon rules a lender must follow — and they are below.
- Population: 137 — Mitchell ranks 231st of 240 communities in Oregon (US Census Bureau, Vintage 2023).
- Population trend: Down about 0.7% from the 2020 Census base to the 2023 estimate.
- Absolute change: 1 residents lost between 2020 and 2023.
- Size percentile: bigger than about 4% of the places in Oregon, with 137 residents in Mitchell.
- Population density: about 107 people per square mile (Census land area 1.3 sq mi).
- Land area rank: Mitchell's 1.3 square miles rank 129th of 240 places in Oregon.
- State population share: Mitchell accounts for about 0.0% of everyone in Oregon.
- Nationally: Mitchell is the 17,485th-largest of 19,457 Census places in the dataset.
- Growth rank: Mitchell's 2020-to-2023 change ranks 160th of 240 places in Oregon.
- Versus Oregon: the state average change is +0.7%, while Mitchell moved 0.7%.
- Density in Oregon: Mitchell ranks 233rd by people per square mile.
- Against the state median: Mitchell runs about 107 residents per square mile, where the Oregon median is 1,575.
- Location: it lies at 44.5737, -120.1529 in the Census Gazetteer.
- Nearest larger cities: Spray (25 mi); Fossil (29 mi); Prineville (40 mi); Condon (46 mi); Madras (50 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller places: Dayville (31 mi); Antelope (36 mi); Lonerock (38 mi).
- Smaller neighbours: 5 places smaller than Mitchell sit within 50 miles.
- At 100 miles: 42 larger Census places fall inside that radius.
Mitchell: area, density and distance
Mitchell covers about 1.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 137 residents, the land area yields roughly 107 people per square mile. For the state's biggest city, Portland, the distance is roughly 139 miles. Within 50 miles of Mitchell there are 5 larger Census places. The 100-mile radius contains 42 larger places.
What a Mitchell borrower is actually offered
In Mitchell, a small community of about 137, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Mitchell loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Mitchell decides the split between a comfortable payment and the total interest you pay.
What is available to Mitchell borrowers
Mitchell is lightly settled, with about 107 people per square mile and 5 larger places within 50 miles. Distance to a branch rarely matters for Mitchell's 137 residents: the application is online and the price follows your credit file. The nearest larger city, Spray, OR about 25 miles away.
Which Oregon laws govern a loan in Mitchell
Oregon has no separate rate rule for Mitchell; the sourced rows below are what reach every lender that serves its 137 people.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Oregon 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 |
| 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 |
| Maximum legal interest rate (usury cap) | 9% per annum default legal rate where the parties have not agreed to a rate. Source says: "The rate of interest for the following transactions, if the parties have not otherwise agreed to a rate of interest, is nine percent per annum" (ORS 82.010(1)). | Oregon Legislative Assembly (Oregon Revised Statutes) as of 2026-09-16 |
Mitchell against the rest of Oregon
Set beside Oregon's 240 places, Mitchell ranks 231st by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Mitchell stands 160th among Oregon's 240 places — roughly the 33th percentile. By density, at about 107 people per square mile, it ranks 233rd in Oregon. Between 2020 and 2023 the count changed by roughly 1 residents.
Common questions
What are my options in Mitchell if my credit is poor?
What loan size can I expect in Mitchell?
Do I have to pledge anything to borrow in Mitchell?
Does comparing loans in Mitchell cost me credit score points?
Nearby places
- Fossil, OR — population 445
- Spray, OR — population 138
- Lonerock, OR — population 23
- Dayville, OR — population 132
- Antelope, OR — population 39
- Condon, OR — population 718
- Shaniko, OR — population 31
- Prineville, OR — population 11,745