Personal loans in Troutdale, OR
Troutdale counts about 15,717 people, and what is genuinely local about borrowing here is limited — Oregon law does the governing. State law, not city hall, decides what a lender may do to Troutdale's roughly 15,717 residents, and a state regulator supervises it. An estimated 15,717 people make their home in Troutdale, a figure that ranks 38th in Oregon. Verify the lender's Oregon licence against the regulator named below before borrowing in Troutdale. Troutdale lost roughly 3.5% of its population across the 2020-to-2023 comparison. The nearest larger metro is Gresham, OR about 3 miles away.
What the Census records for Troutdale
Two layers matter for a Troutdale borrower: the local population picture and Oregon's consumer-lending statutes.
- Population: 15,717 residents; Troutdale is the 38th-largest of 240 places in Oregon (US Census Bureau, Vintage 2023).
- Population trend: Down about 3.5% from the 2020 Census base to the 2023 estimate.
- Absolute change: 577 residents lost between 2020 and 2023.
- Size percentile: about 84% of Oregon's Census places are smaller than Troutdale.
- Density: roughly 2,643 residents per square mile, spread over 5.9 sq mi of land.
- Land area: Troutdale covers 5.9 square miles, the 44th-largest area among Oregon's 240 places.
- Water: Troutdale holds about 0.09 square miles, the 57th-largest water area in Oregon.
- Within Oregon: about 0.5% of the state's population lives in Troutdale.
- National rank: Troutdale is the 2,287th most populous of the 19,457 Census places covered here.
- Growth rank: Troutdale's 2020-to-2023 change ranks 233rd of 240 places in Oregon.
- Against the state trend: Troutdale's 3.5% change compares with a Oregon average of +0.7% across its 240 places.
- Density rank: Troutdale places 67th among Oregon's places by people per square mile.
- Against the state median: Troutdale runs about 2,643 residents per square mile, where the Oregon median is 1,575.
- Location: coordinates 45.5392, -122.3927 (US Census Bureau Gazetteer).
- Nearest larger cities: Gresham (3 mi); Washougal (4 mi); Camas (5 mi); Happy Valley (9 mi); Vancouver (12 mi). A branch is convenient; it is not what sets your APR.
- Smaller communities within reach: Wood Village (1 mi); Fairview (2 mi); Maywood Park (8 mi).
- Smaller neighbours: 49 places smaller than Troutdale sit within 50 miles.
- Larger places within 100 miles: 31.
The Troutdale borrowing checklist
Before you hand your details to a lender in Troutdale, where the population is near 15,717:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Make sure the lender appears in the Oregon regulator's licence list.
- Be clear on what the loan is for and how it gets repaid.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
- Check the disclosure for fees that raise the true cost above the quoted rate.
In Troutdale as elsewhere in Oregon, the written terms — not the advertisement — are what count for its 15,717 residents.
What a Troutdale borrower is actually offered
In Troutdale, a small town of about 15,717, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Troutdale can be quoted different APRs on the same amount and term. The term you choose in Troutdale decides the split between a comfortable payment and the total interest you pay.
Troutdale's place among Oregon's 240 places
Among Oregon's 240 places, Troutdale sits at 38th for population, a share of roughly 0.5% of the state. Its 2020-to-2023 change ranks 233rd of 240 Oregon places, putting it near the 3th percentile for growth. At about 2,643 people per square mile, Troutdale is the 67th most densely settled place in Oregon. Within 50 miles sit 49 smaller Census places, alongside the 23 that are larger.
Where Troutdale sits
Inside Troutdale's boundaries lie roughly 5.9 square miles of land and 0.09 square miles of water. With 15,717 residents, the land area yields roughly 2,643 people per square mile. The state's population centre of gravity, Portland, is roughly 12 miles away. Troutdale has 23 larger places within a 50-mile radius. By land area it ranks 44th of 240 Oregon places.
Which Oregon laws govern a loan in Troutdale
For the roughly 15,717 residents of Troutdale, the rules below are Oregon's own; each row carries its publisher and retrieval date.
| 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 |
| 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 |
| Small-loan / installment lender licensing | Consumer finance license required to make consumer finance loans of $50,000 or less; license issued by the Director of the Department of Consumer and Business Services. Source says: "a consumer finance loan of $50,000 or less... unless the person first obtains a license under this chapter" (ORS 725.045). | Oregon Legislative Assembly (Oregon Revised Statutes) as of 2026-09-16 |
Common questions
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Nearby places
- Wood Village, OR — population 4,717
- Fairview, OR — population 10,782
- Gresham, OR — population 110,685
- Washougal, WA — population 16,985
- Camas, WA — population 27,254
- Happy Valley, OR — population 28,409
- Maywood Park, OR — population 801
- Sandy, OR — population 12,946