Personal loans in Oregon, WI
A lender that serves Oregon operates under Wisconsin lending statutes and a Wisconsin supervisor. Personal loans in Oregon are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 11,676 population.
By population, Oregon sits at 83rd in Wisconsin, with an estimated 11,676 residents. Oregon gained roughly 4.4% in population across the 2020-to-2023 comparison. Work out your debt-to-income ratio first; lenders weigh it heavily, and Oregon's 11,676 residents are no exception. The nearest larger metro is Fitchburg, WI about 5 miles away.
Oregon by the numbers
What follows is Oregon's place in the Census record, alongside the Wisconsin rules that govern a personal loan made here.
- Population: 11,676 residents; Oregon is the 83rd-largest of 605 places in Wisconsin (US Census Bureau, Vintage 2023).
- Population trend: Up about 4.4% from the 2020 Census base to the 2023 estimate.
- Absolute change: 495 residents added between 2020 and 2023.
- Size percentile: Oregon's 11,676 people outrank roughly 86% of the places in Wisconsin.
- Population density: 2,559 people per square mile on 4.6 square miles of land.
- By land area: Oregon ranks 158th among Wisconsin's 605 places, at 4.6 sq mi.
- Within Wisconsin: about 0.3% of the state's population lives in Oregon.
- National rank: Oregon sits 2,817th by population among the 19,457 places in this dataset.
- Growth in Wisconsin: Oregon stands 43rd by percentage change from 2020 to 2023, among 605 places.
- Versus Wisconsin: the state average change is +0.4%, while Oregon moved 4.4%.
- Density rank: Oregon is the 28th most densely settled place in Wisconsin.
- Density vs Wisconsin: Oregon's 2,559 people per square mile compare with a state median of 800.
- Location: coordinates 42.9251, -89.3890 (US Census Bureau Gazetteer).
- Nearest larger cities: Fitchburg (5 mi); Stoughton (8 mi); Verona (9 mi); Madison (11 mi); Middleton (14 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller places close by: Brooklyn (5 mi); McFarland (8 mi); Belleville (9 mi).
- Within a 50-mile radius: 115 smaller Census places.
- Larger places within 100 miles: 125.
What is available to Oregon borrowers
At roughly 2,559 people per square mile, Oregon is fairly dense; 19 larger places lie within 50 miles. A Wisconsin licence lets a lender serve Oregon without a local office, so branch density does not change what its 11,676 residents are offered. The nearest larger city, Fitchburg, WI about 5 miles away.
Where Oregon sits in Wisconsin
Within Wisconsin, Oregon holds roughly 0.3% of all residents, the 83rd-largest share among 605 places. On the 2020-to-2023 trend, Oregon stands 43rd among Wisconsin's 605 places — roughly the 93th percentile. At about 2,559 people per square mile, Oregon is the 28th most densely settled place in Wisconsin. By land area, its 4.6 square miles rank 158th of 605 places in Wisconsin.
Where Oregon sits
Oregon's land area is roughly 4.6 square miles, and the Gazetteer records no significant water area within it. That land carries about 2,559 people per square mile. The largest place in Wisconsin, Milwaukee, lies about 73 miles away. Within 50 miles of Oregon there are 19 larger Census places. The 100-mile radius contains 125 larger places.
How personal loans work in Oregon
In Oregon, a small town of about 11,676, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Oregon lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Oregon loan but raises total interest, so the smallest payment is not the cheapest loan.
The state rulebook for Oregon
The rows below set out what a licensed lender must follow in Wisconsin, and so for Oregon's roughly 11,676 residents.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Wisconsin Department of Financial Institutions (DFI), Division of Banking Source says: "Department" means the department of financial institutions | Wisconsin State Legislature as of 2026-09-16 |
| Payday lending status | Legal and licensed by the DFI Division of Banking; statewide database tracking (Wis. Stat. § 138.14) Source says: "Licensee" means a person holding a license issued by the division under sub. (5) | Wisconsin State Legislature as of 2026-09-16 |
| Small-loan / installment lender licensing | Licensed lender license required from the Division of Banking (Wis. Stat. § 138.09) Source says: Before any person may do business under this section, that person shall first obtain a license from the division. | Wisconsin State Legislature as of 2026-09-16 |
Common questions
What are my options in Oregon if my credit is poor?
What loan size can I expect in Oregon?
Do I have to pledge anything to borrow in Oregon?
Does comparing loans in Oregon cost me credit score points?
Nearby places
- Fitchburg, WI — population 32,284
- Brooklyn, WI — population 1,529
- Monona, WI — population 8,536
- McFarland, WI — population 9,460
- Belleville, WI — population 2,674
- Verona, WI — population 15,815
- Shorewood Hills, WI — population 2,182
- Stoughton, WI — population 13,044