Personal loans in Oregon, OH
An estimated 19,711 people make their home in Oregon, a figure that ranks 89th in Ohio. The 2020 count to the 2023 estimate shows about 1.2% decline in Oregon.
For a borrower among the roughly 19,711 residents of Oregon, a personal loan is a tool whose cost turns on the terms, not the address. Lenders active in Oregon report to a Ohio supervisor, identified in the sourced rows below. Rate-shopping from Oregon costs nothing at pre-qualification, where a soft pull leaves your credit file alone. The nearest larger city is Toledo, OH about 7 miles away.
Local context for Oregon
Read the local figures below as context; read the sourced Ohio table as the rulebook a lender here must follow.
- Population: 19,711 residents; Oregon is the 89th-largest of 924 places in Ohio (US Census Bureau, Vintage 2023).
- Population trend: Down about 1.2% from the 2020 Census base to the 2023 estimate.
- People gained or lost: about 241 fewer since the 2020 base.
- Size percentile: about 90% of Ohio communities are smaller than Oregon (19,711 residents).
- Land and density: 28.5 square miles of land carry roughly 691 residents per square mile.
- By land area: Oregon ranks 12th among Ohio's 924 places, at 28.5 sq mi.
- Water area rank: Oregon ranks 27th among Ohio's 924 places, with 0.38 sq mi.
- Within Ohio: about 0.3% of the state's population lives in Oregon.
- National rank: Oregon sits 1,904th by population among the 19,457 places in this dataset.
- Growth in Ohio: Oregon stands 524th by percentage change from 2020 to 2023, among 924 places.
- State comparison: Ohio's places average +0.9% for 2020-to-2023, against Oregon's 1.2%.
- Density in Ohio: Oregon ranks 746th by people per square mile.
- Against the state median: Oregon runs about 691 residents per square mile, where the Ohio median is 1,289.
- Location: it lies at 41.6560, -83.4383 in the Census Gazetteer.
- Nearest larger cities: Toledo (7 mi); Perrysburg (13 mi); Monroe (18 mi); Bowling Green (22 mi); Adrian (35 mi). Living near a larger metro rarely changes what is available in Oregon.
- Smaller communities within reach: Harbor View (3 mi); Northwood (4 mi); Walbridge (5 mi).
- Smaller neighbours: 118 places smaller than Oregon sit within 50 miles.
- Within 100 miles: 73 places are larger than Oregon.
Which Ohio laws govern a loan in Oregon
When Ohio does not publish a figure, the row links to the source instead of inventing a number; Oregon is bound by the same rules.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Ohio Department of Commerce, Division of Financial Institutions (Consumer Finance Section). Source says: "The Consumer Finance Section is responsible for regulating non-depository consumer lenders and related consumer finance businesses." | Ohio Department of Commerce - Division of Financial Institutions as of 2026-09-16 |
| Payday lending status | Legal for licensed short-term lenders; interest capped at 28% per annum; total fees and charges capped at 60% of the originally contracted loan amount. Source says: "(A) Interest not exceeding a rate of twenty-eight per cent per annum" (Ohio Rev. Code 1321.40); total fees/charges capped at "a total amount of fees and charges that exceeds sixty per cent of the originally contracted loan amount" (1321.403). | Ohio Laws (Ohio Revised Code - official state publication) as of 2026-09-16 |
| Small-loan / installment lender licensing | Consumer finance licenses required for non-depository lenders, including Consumer Installment Loan Act lenders, General Loan Law lenders, short-term lenders, and small loan lenders. Source says: "We issue and manage licenses for companies and individuals under multiple Ohio statutes." (page's regulated-statutes list names Consumer Installment Loan Act lenders, General Loan Law lenders, Short-term lenders, Small loan lenders). | Ohio Department of Commerce - Division of Financial Institutions as of 2026-09-16 |
Oregon in state context
Oregon is the 89th-largest of 924 Census places in Ohio and contains about 0.3% of the state's people. On the 2020-to-2023 trend, Oregon stands 524th among Ohio's 924 places — roughly the 43th percentile. By density, at about 691 people per square mile, it ranks 746th in Ohio. Within 50 miles sit 118 smaller Census places, alongside the 19 that are larger.
Borrowing reach in Oregon
Oregon is a moderately settled community of about 19,711 people, with 19 larger places inside a 50-mile radius. What is available to Oregon's 19,711 borrowers is set by Ohio licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Toledo, OH about 7 miles away.
Oregon: area, density and distance
The Census Gazetteer records 28.5 square miles of land and 0.38 square miles of water within Oregon. Spread across it are roughly 691 residents per square mile. The state's population centre of gravity, Columbus, is roughly 118 miles away. Oregon has 19 larger places within a 50-mile radius. By land area it ranks 12th of 924 Ohio places.
What a Oregon borrower is actually offered
Most loans made to Oregon's 19,711 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Oregon's 19,711 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Oregon loan is knowable in advance — unlike a revolving card balance.
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
- Harbor View, OH — population 90
- Northwood, OH — population 5,211
- Walbridge, OH — population 3,043
- Millbury, OH — population 1,197
- Clay Center, OH — population 251
- Toledo, OH — population 265,304
- Luna Pier, MI — population 1,353
- Rossford, OH — population 6,333