Personal loans in Sodaville, OR
Personal loans in Sodaville are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 369 population. With an estimated 369 residents, Sodaville is the 206th-largest of 240 places in Oregon. The nearest larger metro is Lebanon, OR about 4 miles away. Census figures put the 2020-to-2023 increase in Sodaville at about 1.4%. For the 369 people in Sodaville, Oregon runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. If debt is already a strain, a nonprofit credit counsellor can help Sodaville residents before they take on more.
Sodaville: population, trend and location
The figures below are Sodaville's own — Census population, land area and coordinates — followed by the Oregon rules.
- Population: an estimated 369 residents, 206th of 240 places in Oregon (Census Vintage 2023 subcounty estimate).
- Population trend: About 1.4% above the 2020 Census base.
- Net change: roughly 5 more people than the 2020 Census counted.
- Size percentile: bigger than about 14% of the places in Oregon, with 369 residents in Sodaville.
- Density: roughly 1,194 residents per square mile, spread over 0.3 sq mi of land.
- Land area: Sodaville covers 0.3 square miles, the 223rd-largest area among Oregon's 240 places.
- Share of state population: Sodaville's 369 residents are about 0.0% of Oregon.
- National rank: Sodaville is the 14,427th most populous of the 19,457 Census places covered here.
- Growth in Oregon: Sodaville stands 71st by percentage change from 2020 to 2023, among 240 places.
- Against the state trend: Sodaville's 1.4% change compares with a Oregon average of +0.7% across its 240 places.
- Density in Oregon: Sodaville ranks 152nd by people per square mile.
- Density in context: Sodaville's 1,194 people per square mile sit against a Oregon median of 1,575.
- Location: 44.4830 / -122.8691, per the US Census Bureau Gazetteer.
- Nearest larger cities: Lebanon (4 mi); Brownsville (8 mi); Sweet Home (10 mi); Tangent (13 mi); Halsey (14 mi). Online lenders reach Sodaville no matter how far the nearest branch is.
- Smaller towns nearby: Waterloo (2 mi); Detroit (39 mi); Idanha (42 mi).
- Within a 50-mile radius: 3 smaller Census places.
- At 100 miles: 133 larger Census places fall inside that radius.
Sodaville on the map
The Census Gazetteer records about 0.3 square miles of land within Sodaville, with no significant water area listed. With 369 residents, the land area yields roughly 1,194 people per square mile. Portland, the largest place in Oregon, is about 74 miles from Sodaville. Within 50 miles of Sodaville there are 44 larger Census places. Within the same 50 miles lie 3 smaller Census places.
Sodaville in state context
Among Oregon's 240 places, Sodaville sits at 206th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Sodaville stands 71st among Oregon's 240 places — roughly the 70th percentile. By density, at about 1,194 people per square mile, it ranks 152nd in Oregon. Within 50 miles sit 3 smaller Census places, alongside the 44 that are larger.
Which Oregon laws govern a loan in Sodaville
Every row below records a Oregon rule, its publisher and its retrieval date — the same rules a Sodaville lender must follow.
| 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 |
| 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 |
| Payday lending status | Legal for licensed payday/title lenders; term 31-60 days; one-time 10% origination fee capped at $30; interest limited to 36%/yr; max APR 153.77%. Source says: "Interest rates are limited to 36 percent annually. The maximum APR (interest and fees) is 153.77 percent"; "A one-time 10 percent loan origination fee, up to a maximum of $30 for a new loan"; "The payday or title loan must be for at least 31 days and not longer than 60 days." | Oregon Division of Financial Regulation as of 2026-09-16 |
What a Sodaville borrower is actually offered
Sodaville is a small community of about 369 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Sodaville. A longer term lowers the monthly payment on a Sodaville loan but raises total interest, so the smallest payment is not the cheapest loan.
Lender access in Sodaville
With about 1,194 residents per square mile, Sodaville is moderately settled, and 44 larger Census places sit within 50 miles. What is available to Sodaville's 369 borrowers is set by Oregon licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Lebanon, OR about 4 miles away.
Common questions
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Nearby places
- Waterloo, OR — population 223
- Lebanon, OR — population 19,726
- Brownsville, OR — population 1,849
- Sweet Home, OR — population 10,206
- Scio, OR — population 961
- Tangent, OR — population 1,247
- Halsey, OR — population 951
- Albany, OR — population 57,053