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.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Sodaville: population, trend and location

The figures below are Sodaville's own — Census population, land area and coordinates — followed by the Oregon rules.

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.

RuleDetailSource
State lending regulatorOregon 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 statusLegal 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.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Sodaville if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Sodaville is the same as anywhere in Oregon.
What loan size can I expect in Sodaville?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Sodaville?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Sodaville cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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