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Survey Results We asked readers after the Fed’s Sept. 16 hike: 72% of borrowers would use a personal loan to pay off other debt. See the full results
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Personal Loan Rate Trends

Oregon Best Personal Loan Rates - October 2026

Oregon personal loan rates range from 4.50% to 19.49% APR, verified by MonitorBankRates as of October 13, 2026. Current personal loan options available to borrowers in Oregon include: Benton County Schools Credit UnionBenton County Schools Credit Union2101 NW Professional DR, Corvallis, OR, 97330A+5.0 ★Texas Ratio: 0.28% offering Consolidation Loan - 36 Months at 4.50% APR, CASTPARTS EMPLOYEESCASTPARTS EMPLOYEES8120 SE Luther Rd, Portland, OR, 97206 9238A+5.0 ★Texas Ratio: 3.15% offering Debt Consolidation Loan Special at 5.00% APR, First Federal S&L of McMinnvilleFirst Federal S&L of McMinnville118 Ne 3rd St, Mcminnville, OR, 97128A+5.0 ★Texas Ratio: 0.22% offering Personal Loan - MY Loan at 6.84% APR, Ukrainian Federal Credit UnionUkrainian Federal Credit Union12893 SE 97th Ave, Clackamas, OR, 97015A5.0 ★Texas Ratio: 10.53% offering Personal Loan at 9.00% APR, and EWEB EMPLOYEESEWEB EMPLOYEES4200 Roosevelt Blvd, Eugene, OR, 97402 6520A+5.0 ★Texas Ratio: 0.43% offering Personal Property Loans at 9.00% APR. Personal loan rates as of October 13, 2026 according to verified data from MonitorBankRates.

Use the tabs below to compare personal loan rates across Oregon side-by-side. Oregon personal loan rates currently start as low as 4.50% APR from Benton County Schools Credit Union at 2101 NW Professional DR, Corvallis, OR, 97330. Rates are continually updated, so we recommend checking back frequently.

We empower borrowers with transparent, proprietary financial health metrics, including A-F Safety Grades, verified Star Ratings, and Texas Ratios, so you can confidently borrow from a stable, highly-rated institution in Oregon.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Oregon. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: October 13, 2026

Oregon Personal Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Benton County Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2101 NW Professional DR, Corvallis, OR, 97330
Consolidation Loan - 36 MonthsTerm: 36 Months
4.50%
▼
APR4.50%
Term36 Months
Last UpdatedNot available
Details

Consolidation loan rates; APR*

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 5 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
CASTPARTS EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
8120 SE Luther Rd, Portland, OR, 97206 9238
Debt Consolidation Loan SpecialTerm: Up to 36 months
5.00%
▼
APR5.00%
Interest Rate5.00%
TermUp to 36 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 7 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
Benton County Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2101 NW Professional DR, Corvallis, OR, 97330
Consolidation Loan - 48 MonthsTerm: 48 Months
5.50%
▼
APR5.50%
Term48 Months
Last UpdatedNot available
Details

Consolidation loan rates; APR*

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
Benton County Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2101 NW Professional DR, Corvallis, OR, 97330
Consolidation Loan - 60 MonthsTerm: 60 Months
6.50%
▼
APR6.50%
Term60 Months
Last UpdatedNot available
Details

Consolidation loan rates; APR*

Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 5 times
6.00%6.50%7.00%Sep 14, 2026: 6.50% APRSep 14, 2026Oct 13, 2026
Benton County Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2101 NW Professional DR, Corvallis, OR, 97330
Signature LoansTerm: 36 Months
6.50%
▼
APR6.50%
Term36 Months
Last UpdatedNot available
Details

Lowest rates offered; rate may vary depending on credit history

Rate History
No change since Sep 18, 2026 · 6.50% APR · checked 5 times
6.00%6.50%7.00%Sep 18, 2026: 6.50% APRSep 18, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
118 Ne 3rd St, Mcminnville, OR, 97128
Personal Loan - MY LoanTerm: 36 months
6.84%
▼
APR6.84%
Term36 months
Last UpdatedNot available
Details

Additional APR listed for this product: 8.840%.

Rate History
No change since Oct 7, 2026 · 6.84% APR · checked 2 times
6.34%6.84%7.34%Oct 7, 2026: 6.84% APROct 7, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
118 Ne 3rd St, Mcminnville, OR, 97128
Personal Loan - MY LoanTerm: 48 months
6.99%
▼
APR6.99%
Term48 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 6.99% APR · checked 2 times
6.49%6.99%7.49%Oct 7, 2026: 6.99% APROct 7, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
118 Ne 3rd St, Mcminnville, OR, 97128
Personal Loan - MY LoanTerm: 60 months
7.24%
▼
APR7.24%
Term60 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 7.24% APR · checked 2 times
6.74%7.24%7.74%Oct 7, 2026: 7.24% APROct 7, 2026Oct 13, 2026
Benton County Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2101 NW Professional DR, Corvallis, OR, 97330
Signature LoansTerm: 48 Months
7.50%
▼
APR7.50%
Term48 Months
Last UpdatedNot available
Details

Lowest rates offered; rate may vary depending on credit history

Rate History
No change since Sep 18, 2026 · 7.50% APR · checked 5 times
7.00%7.50%8.00%Sep 18, 2026: 7.50% APRSep 18, 2026Oct 13, 2026
Benton County Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2101 NW Professional DR, Corvallis, OR, 97330
Signature LoansTerm: 60 Months
8.50%
▼
APR8.50%
Term60 Months
Last UpdatedNot available
Details

Lowest rates offered; rate may vary depending on credit history

Rate History
1 change since Sep 14, 2026 · 7.50% → 8.50% ▲ 1.00 pts · high 8.50% / low 7.50%
6.50%8.00%9.50%Sep 14, 2026: 7.50% APRSep 18, 2026: 8.50% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20268.50%▲ from 7.50%
  • Sep 14, 20267.50%first recorded
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
12893 SE 97th Ave, Clackamas, OR, 97015
Personal LoanTerm: 1 years
9.00%
▼
APR9.00%
Term1 years
Last UpdatedNot available
Details

As Low As; APR* as low as

Rate History
1 change since Sep 12, 2026 · 10.00% → 9.00% ▼ 1.00 pts · high 10.00% / low 9.00%
8.00%9.50%11.00%Sep 12, 2026: 10.00% APROct 12, 2026: 9.00% APRSep 12, 2026Oct 13, 2026
  • Oct 12, 20269.00%▼ from 10.00%
  • Sep 12, 202610.00%first recorded
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
Personal Property Loans
9.00%
▼
APR9.00%
TermN/A
Last UpdatedNot available
Details

Financing purchases of hot tubs, UTVs, tractors and other untitled items

Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 7 times
8.50%9.00%9.50%Sep 14, 2026: 9.00% APRSep 14, 2026Oct 13, 2026
Point West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
Personal LoansTerm: 1 - 60 months
9.25%
▼
APR9.25%
Term1 - 60 months
Last UpdatedNot available
Details

APR range 9.25% - 24.00%; variable, rate changes with Prime Rate index; lowest rate requires automatic payment and direct deposit enrollment; +0.25% APR for non-auto-pay; +0.50% APR without direct deposit

Rate History
No change since Sep 14, 2026 · 9.25% APR · checked 7 times
8.75%9.25%9.75%Sep 14, 2026: 9.25% APRSep 14, 2026Oct 13, 2026
IBEW And United Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
9955 SE Washington St, Portland, OR, 97216
Signature LoanTerm: 12 months
9.49%
▼
APR9.49%
Interest Rate9.49%
Term12 months
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 14, 2026 · 9.49% APR · checked 8 times
8.99%9.49%9.99%Sep 14, 2026: 9.49% APRSep 14, 2026Oct 13, 2026
IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
1825 12th St SE Ste 130, Salem, OR, 97302 2159
Signature Loans & Line-of-CreditTerm: Up to 60-Month
9.90%
▼
APR9.90%
TermUp to 60-Month
Last UpdatedNot available
Details

Maximum $25,000

Rate History
No change since Sep 17, 2026 · 9.90% APR · checked 8 times
9.40%9.90%10.40%Sep 17, 2026: 9.90% APRSep 17, 2026Oct 13, 2026
Gateway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
3030 Gateway Loop, Springfield, OR, 97477
Signature LoanTerm: 12 - 60 months
9.90%
▼
APR9.90%
Term12 - 60 months
Last UpdatedNot available
Details

Published APR range: 9.9% - 19.99%. Daily Periodic Rate: .02712 - .05452; Default Rate: 19.9%

Rate History
No change since Oct 9, 2026 · 9.90% APR · checked 2 times
9.40%9.90%10.40%Oct 9, 2026: 9.90% APROct 9, 2026Oct 13, 2026
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
1866 NE 162nd Ave, Portland, OR, 97230 5642
Signature LoanTerm: 48 months
9.99%
▼
APR9.99%
Term48 months
Last UpdatedNot available
Details

As Low As; Rates effective August 25, 2026

Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 9 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Wauna Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
Lifestyle Loan/Signature LoanTerm: Up to 12 months
9.99%
▼
APR9.99%
TermUp to 12 months
Last UpdatedNot available
Details

APR (Min) 9.99%; APR (Max) 18.00%

Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 4 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
NW Priority Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
12630 SE Division St, Portland, OR, 97236 3132
Personal Loans
9.99%
▼
APR9.99%
TermN/A
Last UpdatedNot available
Details

As Low As; Today's Rates homepage featured rate

Rate History
No change since Sep 22, 2026 · 9.99% APR · checked 4 times
9.49%9.99%10.49%Sep 22, 2026: 9.99% APRSep 22, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1300 SW 6th Ave, Portland, OR, 97201 3464
Personal Loans - 740+
9.99%
▼
APR9.99%
TermN/A
Last UpdatedNot available
Details

Credit Score: 740+; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount

Rate History
No change since Oct 13, 2026 · 9.99% APR
9.49%9.99%10.49%Oct 13, 2026: 9.99% APROct 13, 2026Oct 13, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
12893 SE 97th Ave, Clackamas, OR, 97015
Personal LoanTerm: 1 years
10.00%
▼
APR10.00%
Term1 years
Last UpdatedNot available
Details

APR*

Rate History
No change since Sep 12, 2026 · 10.00% APR · checked 8 times
9.50%10.00%10.50%Sep 12, 2026: 10.00% APRSep 12, 2026Oct 13, 2026
Point West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
Debt Consolidation LoanTerm: 1 - 48 months
10.24%
▼
APR10.24%
Term1 - 48 months
Last UpdatedNot available
Details

APR (Fixed); Automatic payments required for lowest rate

Rate History
No change since Sep 14, 2026 · 10.24% APR · checked 7 times
9.74%10.24%10.74%Sep 14, 2026: 10.24% APRSep 14, 2026Oct 13, 2026
SUNSET SCIENCE PARK
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1100 NW Murray Rd Ste 200, Portland, OR, 97229 5561
Signature Loan
10.25%
▼
APR10.25%
Interest Rate10.25%
TermN/A
Last UpdatedNot available
Details

Published rate range: 10.25% - 18.00%. Fixed

Rate History
No change since Sep 14, 2026 · 10.25% APR · checked 7 times
9.75%10.25%10.75%Sep 14, 2026: 10.25% APRSep 14, 2026Oct 13, 2026
Ironworkers USA Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.11%
11620 NE Ainsworth Cir, Portland, OR, 97220
Signature LoansTerm: 36 months
10.49%
▼
APR10.49%
Term36 months
Last UpdatedNot available
Details

Published APR range: 10.49 - 18%. Rates are based on credit history, credit qualifications, and loan term

Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 9 times
9.99%10.49%10.99%Sep 14, 2026: 10.49% APRSep 14, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1300 SW 6th Ave, Portland, OR, 97201 3464
Personal Loans - 739 - 700
10.49%
▼
APR10.49%
TermN/A
Last UpdatedNot available
Details

Credit Score: 739 - 700; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount

Rate History
No change since Oct 13, 2026 · 10.49% APR
9.99%10.49%10.99%Oct 13, 2026: 10.49% APROct 13, 2026Oct 13, 2026
Pacific Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
1075 Oak St, Eugene, OR, 97401
Personal Loans
10.65%
▼
APR10.65%
TermN/A
Last UpdatedNot available
Details

As Low As; See Rate Sheet for details

Rate History
No change since Sep 14, 2026 · 10.65% APR · checked 9 times
10.15%10.65%11.15%Sep 14, 2026: 10.65% APRSep 14, 2026Oct 13, 2026
Point West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
Debt Consolidation LoanTerm: 49 - 60 months
10.74%
▼
APR10.74%
Term49 - 60 months
Last UpdatedNot available
Details

APR (Fixed); Automatic payments required for lowest rate

Rate History
No change since Sep 14, 2026 · 10.74% APR · checked 7 times
10.24%10.74%11.24%Sep 14, 2026: 10.74% APRSep 14, 2026Oct 13, 2026
Central Willamette Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
7101 Supra Dr SW, Albany, OR, 97321
Personal LoanTerm: Up to 60 months
10.75%
▼
APR10.75%
TermUp to 60 months
Last UpdatedNot available
Details

Published APR range: 10.75% - 22.25%. Effective Date: October 1, 2026; Periodic Rate Range: 0.036986% to 0.060959%

Rate History
No change since Sep 18, 2026 · 10.75% APR · checked 4 times
10.25%10.75%11.25%Sep 18, 2026: 10.75% APRSep 18, 2026Oct 13, 2026
Forrit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
12550 SE 93rd Ave, Clackamas, OR, 97015
Personal Loan (Signature Loan)Term: Up to 60 Months
10.89%
▼
APR10.89%
TermUp to 60 Months
Last UpdatedNot available
Details

APR range: 10.89% - 16.49%

Rate History
No change since Sep 14, 2026 · 10.89% APR · checked 6 times
10.39%10.89%11.39%Sep 14, 2026: 10.89% APRSep 14, 2026Oct 13, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
2972 Washburn Way, Klamath Falls, OR, 97603
Personal LoansTerm: Up to 84 months
10.99%
▼
APR10.99%
TermUp to 84 months
Last UpdatedNot available
Details

All Loans are subject to approval, actual APR is subject to change and is based on borrower's creditworthiness and terms of loan. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.

Rate History
No change since Sep 16, 2026 · 10.99% APR · checked 5 times
10.49%10.99%11.49%Sep 16, 2026: 10.99% APRSep 16, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
102 W 5th St, Rainier, OR, 97048
Personal Loans - 1 to 12 MonthsTerm: 1 to 12 Months
10.99%
▼
APR10.99%
Term1 to 12 Months
Last UpdatedNot available
Details

Maximum Financed: $100,000

Rate History
No change since Oct 12, 2026 · 10.99% APR
10.49%10.99%11.49%Oct 12, 2026: 10.99% APROct 12, 2026Oct 13, 2026
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
10333 SE Main St, Portland, OR, 97216 2940
Signature LoansTerm: Up to 60 Months
10.99%
▼
APR10.99%
TermUp to 60 Months
Last UpdatedNot available
Details

Published APR range: 10.99% - 17.95%.

Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 9 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
1905 N 1st St, Hermiston, OR, 97838
Personal Loan
10.99%
▼
APR10.99%
TermN/A
Last UpdatedNot available
Details

Published APR range: 10.99% to 17.99%.

Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 6 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
11619 Island Ave, Island City, OR, 97850
Personal LoanTerm: 60 Month
10.99%
▼
APR10.99%
Term60 Month
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 6 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
CUTTING EDGE
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
4620 SE International Way Ste 105, Milwaukie, OR, 97222
Personal Loan
10.99%
▼
APR10.99%
TermN/A
Last UpdatedNot available
Details

Published APR range: 10.99 to 18.00%.

Rate History
No change since Sep 22, 2026 · 10.99% APR · checked 5 times
10.49%10.99%11.49%Sep 22, 2026: 10.99% APRSep 22, 2026Oct 13, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
12893 SE 97th Ave, Clackamas, OR, 97015
Personal LoanTerm: 2 years
11.00%
▼
APR11.00%
Term2 years
Last UpdatedNot available
Details

APR*

Rate History
No change since Sep 12, 2026 · 11.00% APR · checked 8 times
10.50%11.00%11.50%Sep 12, 2026: 11.00% APRSep 12, 2026Oct 13, 2026
United Trades Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
20210 SW Teton Ave, Tualatin, OR, 97062
Personal LoanTerm: 72 months
11.00%
▼
APR11.00%
Term72 months
Last UpdatedNot available
Details

As Low As; Unlock your goals-low rates, fast approval, zero hassle!

Rate History
No change since Sep 14, 2026 · 11.00% APR · checked 8 times
10.50%11.00%11.50%Sep 14, 2026: 11.00% APRSep 14, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
102 W 5th St, Rainier, OR, 97048
Personal Loans - 13 to 24 MonthsTerm: 13 to 24 Months
11.49%
▼
APR11.49%
Term13 to 24 Months
Last UpdatedNot available
Details

Maximum Financed: $100,000

Rate History
No change since Oct 12, 2026 · 11.49% APR
10.99%11.49%11.99%Oct 12, 2026: 11.49% APROct 12, 2026Oct 13, 2026
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
4239 N Williams Ave, Portland, OR, 97217
Personal LoansTerm: up to 72 months
11.74%
▼
APR11.74%
Termup to 72 months
Last UpdatedNot available
Details

Published APR range: 11.74% - 22.99%.

Rate History
1 change since Sep 14, 2026 · 11.49% → 11.74% ▲ 0.25 pts · high 11.74% / low 11.49%
10.99%11.62%12.24%Sep 14, 2026: 11.49% APROct 9, 2026: 11.74% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202611.74%▲ from 11.49%
  • Sep 14, 202611.49%first recorded
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15099 SE Mcloughlin Blvd, Milwaukie, OR, 97267
Consolidation Loans
11.75%
▼
APR11.75%
TermN/A
Last UpdatedNot available
Details

Member Perks pricing: 0.25% discount on the rates listed above; Rates effective as of October 13, 2026

Rate History
1 change since Sep 14, 2026 · 12.00% → 11.75% ▼ 0.25 pts · high 12.00% / low 11.75%
11.25%11.88%12.50%Sep 14, 2026: 12.00% APROct 13, 2026: 11.75% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 202611.75%▼ from 12.00%
  • Sep 14, 202612.00%first recorded
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
209 Depot St, La Grande, OR, 97850
Personal Unsecured Loan
11.90%
▼
APR11.90%
TermN/A
Last UpdatedNot available
Details

As Low As; Fixed rate, terms up to 60 months available depending on credit score and amount financed; Rate shown applies to Personal Unsecured, Autos, Boats and RVs 2016 or older model year vehicles or vehicles valued at under $10,000 and Cycle Products 2021 or older model year vehicles; Secured and Unsecured Loans are available

Rate History
No change since Oct 13, 2026 · 11.90% APR
11.40%11.90%12.40%Oct 13, 2026: 11.90% APROct 13, 2026Oct 13, 2026
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
247 E Powell Blvd, Gresham, OR, 97030 7605
Personal LoanTerm: Up to 60 months
11.90%
▼
APR11.90%
TermUp to 60 months
Last UpdatedNot available
Details

Standard APR*

Rate History
No change since Sep 14, 2026 · 11.90% APR · checked 6 times
11.40%11.90%12.40%Sep 14, 2026: 11.90% APRSep 14, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
102 W 5th St, Rainier, OR, 97048
Personal Loans - 25 to 48 MonthsTerm: 25 to 48 Months
11.99%
▼
APR11.99%
Term25 to 48 Months
Last UpdatedNot available
Details

Maximum Financed: $100,000

Rate History
No change since Oct 12, 2026 · 11.99% APR
11.49%11.99%12.49%Oct 12, 2026: 11.99% APROct 12, 2026Oct 13, 2026
Heritage Grove Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
631 Winter St NE, Salem, OR, 97301
Personal Unsecured Loan
11.99%
▼
APR11.99%
TermN/A
Last UpdatedNot available
Details

As Low As; Personal unsecured loan

Rate History
No change since Sep 14, 2026 · 11.99% APR · checked 11 times
11.49%11.99%12.49%Sep 14, 2026: 11.99% APRSep 14, 2026Oct 13, 2026
Wauna Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
Lifestyle Loan/Signature LoanTerm: Up to 72 months
11.99%
▼
APR11.99%
TermUp to 72 months
Last UpdatedNot available
Details

APR (Min) 11.99%; APR (Max) 12.99%

Rate History
No change since Sep 14, 2026 · 11.99% APR · checked 7 times
11.49%11.99%12.49%Sep 14, 2026: 11.99% APRSep 14, 2026Oct 13, 2026
InRoads Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.98%
1720 Saint Helens St, Saint Helens, OR, 97051 1745
Custom Cash Unsecured Loan
12.00%
▼
APR12.00%
TermN/A
Last UpdatedNot available
Details

As Low As; APR is variable, based on the Prime Rate plus a margin

Rate History
2 changes since Sep 16, 2026 · 12.00% → 12.00% ▼ 0.00 pts · high 12.00% / low 11.75%
11.25%11.88%12.50%Sep 16, 2026: 12.00% APRSep 25, 2026: 11.75% APROct 12, 2026: 12.00% APRSep 16, 2026Oct 13, 2026
  • Oct 12, 202612.00%▲ from 11.75%
  • Sep 25, 202611.75%▼ from 12.00%
  • Sep 16, 202612.00%first recorded
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
12893 SE 97th Ave, Clackamas, OR, 97015
Personal LoanTerm: 3 years
12.00%
▼
APR12.00%
Term3 years
Last UpdatedNot available
Details

APR*

Rate History
No change since Sep 12, 2026 · 12.00% APR · checked 8 times
11.50%12.00%12.50%Sep 12, 2026: 12.00% APRSep 12, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15099 SE Mcloughlin Blvd, Milwaukie, OR, 97267
Consolidation Loans
12.00%
▼
APR12.00%
TermN/A
Last UpdatedNot available
Details

As Low As; Rates effective as of October 13, 2026

Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 8 times
11.50%12.00%12.50%Sep 14, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
Signature Loan
12.00%
▼
APR12.00%
TermN/A
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 7 times
11.50%12.00%12.50%Sep 14, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
Valley Credit Union Salem, OR
Institution Rating:
C+4.2 ★Texas Ratio: 24.68%
2096 Mission St Se, Salem, OR, 97302
Unsecured Loan - Personal Loans, Lines of Credit
12.25%
▼
APR12.25%
TermN/A
Last UpdatedNot available
Details

APR range: 12.25% - 18.00%; $65.00 loan processing fee for consumer loans (excluding credit cards); rate based on credit worthiness, credit history, loan-to-value ratio and term

Rate History
No change since Sep 14, 2026 · 12.25% APR · checked 6 times
11.75%12.25%12.75%Sep 14, 2026: 12.25% APRSep 14, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
102 W 5th St, Rainier, OR, 97048
Personal Loans - 49 to 60 MonthsTerm: 49 to 60 Months
12.49%
▼
APR12.49%
Term49 to 60 Months
Last UpdatedNot available
Details

Maximum Financed: $100,000

Rate History
No change since Oct 12, 2026 · 12.49% APR
11.99%12.49%12.99%Oct 12, 2026: 12.49% APROct 12, 2026Oct 13, 2026
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1004 Pacific Ave, Hood River, OR, 97031 1961
Personal LoanTerm: Up to 60 months
12.49%
▼
APR12.49%
TermUp to 60 months
Last UpdatedNot available
Details

Published APR range: 12.49% - 18.00%. APR based on repayment period and credit qualifications

Rate History
No change since Sep 14, 2026 · 12.49% APR · checked 7 times
11.99%12.49%12.99%Sep 14, 2026: 12.49% APRSep 14, 2026Oct 13, 2026
Oregon State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1980 NW 9th St, Corvallis, OR, 97330 2179
Personal LoanTerm: Up to 36 months
12.49%
▼
APR12.49%
TermUp to 36 months
Last UpdatedNot available
Details

APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month and 0.25% APR reduction for qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.

Rate History
No change since Sep 14, 2026 · 12.49% APR · checked 5 times
11.99%12.49%12.99%Sep 14, 2026: 12.49% APRSep 14, 2026Oct 13, 2026
CASTPARTS EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
8120 SE Luther Rd, Portland, OR, 97206 9238
Personal LoanTerm: Up to 60 months
12.49%
▼
APR12.49%
TermUp to 60 months
Last UpdatedNot available
Details

As Low As; *

Rate History
No change since Sep 14, 2026 · 12.49% APR · checked 7 times
11.99%12.49%12.99%Sep 14, 2026: 12.49% APRSep 14, 2026Oct 13, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
12893 SE 97th Ave, Clackamas, OR, 97015
Personal LoanTerm: 5 years
12.50%
▼
APR12.50%
Term5 years
Last UpdatedNot available
Details

As Low As; APR* as low as

Rate History
1 change since Sep 12, 2026 · 13.50% → 12.50% ▼ 1.00 pts · high 13.50% / low 12.50%
11.50%13.00%14.50%Sep 12, 2026: 13.50% APROct 12, 2026: 12.50% APRSep 12, 2026Oct 13, 2026
  • Oct 12, 202612.50%▼ from 13.50%
  • Sep 12, 202613.50%first recorded
Central Willamette Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
7101 Supra Dr SW, Albany, OR, 97321
Personal LoanTerm: 61 to 72 months
12.50%
▼
APR12.50%
Term61 to 72 months
Last UpdatedNot available
Details

Published APR range: 12.50% - 22.25%. Effective Date: October 1, 2026; Periodic Rate Range: 0.039726% to 0.060959%

Rate History
1 change since Sep 18, 2026 · 14.50% → 12.50% ▼ 2.00 pts · high 14.50% / low 12.50%
10.50%13.50%16.50%Sep 18, 2026: 14.50% APROct 13, 2026: 12.50% APRSep 18, 2026Oct 13, 2026
  • Oct 13, 202612.50%▼ from 14.50%
  • Sep 18, 202614.50%first recorded
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15099 SE Mcloughlin Blvd, Milwaukie, OR, 97267
Personal Loan - Member Perks
12.75%
▼
APR12.75%
TermN/A
Last UpdatedNot available
Details

Member Perks pricing: 0.25% discount on the rates listed above

Rate History
No change since Oct 5, 2026 · 12.75% APR · checked 3 times
12.25%12.75%13.25%Oct 5, 2026: 12.75% APROct 5, 2026Oct 13, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
12893 SE 97th Ave, Clackamas, OR, 97015
Personal LoanTerm: 4 years
13.00%
▼
APR13.00%
Term4 years
Last UpdatedNot available
Details

APR*

Rate History
No change since Sep 12, 2026 · 13.00% APR · checked 8 times
12.50%13.00%13.50%Sep 12, 2026: 13.00% APRSep 12, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15099 SE Mcloughlin Blvd, Milwaukie, OR, 97267
Personal Loan
13.00%
▼
APR13.00%
TermN/A
Last UpdatedNot available
Details

As Low As; Personal Loans and Lines

Rate History
No change since Sep 14, 2026 · 13.00% APR · checked 8 times
12.50%13.00%13.50%Sep 14, 2026: 13.00% APRSep 14, 2026Oct 13, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1370 Center Dr, Medford, OR, 97501 7941
Personal Loan
13.00%
▼
APR13.00%
TermN/A
Last UpdatedNot available
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 12.75% → 13.00% ▲ 0.25 pts · high 13.00% / low 12.75%
12.25%12.88%13.50%Sep 14, 2026: 12.75% APRSep 22, 2026: 13.00% APRSep 14, 2026Oct 13, 2026
  • Sep 22, 202613.00%▲ from 12.75%
  • Sep 14, 202612.75%first recorded
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15099 SE Mcloughlin Blvd, Milwaukie, OR, 97267
5 Year Unsecured Term Loans (fixed)Term: 5 Year
13.12%
▼
APR13.12%
Term5 Year
Last UpdatedNot available
Details

Member Perks APR

Rate History
4 changes since Sep 14, 2026 · 12.90% → 13.12% ▲ 0.22 pts · high 13.38% / low 12.90%
12.40%13.14%13.88%Sep 14, 2026: 12.90% APRSep 21, 2026: 13.09% APROct 5, 2026: 13.38% APROct 9, 2026: 13.37% APROct 13, 2026: 13.12% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 202613.12%▼ from 13.37%
  • Oct 9, 202613.37%▼ from 13.38%
  • Oct 5, 202613.38%▲ from 13.09%
  • Sep 21, 202613.09%▲ from 12.90%
Mid Oregon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
OR
Personal Loans & Lines of Credit
13.28%
▼
APR13.28%
TermN/A
Last UpdatedNot available
Details

As Low As; Variable APR; Effective October 1, 2026

Rate History
1 change since Sep 14, 2026 · 13.02% → 13.28% ▲ 0.26 pts · high 13.28% / low 13.02%
12.52%13.15%13.78%Sep 14, 2026: 13.02% APROct 5, 2026: 13.28% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 202613.28%▲ from 13.02%
  • Sep 14, 202613.02%first recorded
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15099 SE Mcloughlin Blvd, Milwaukie, OR, 97267
5 Year Unsecured Term Loans (fixed)Term: 5 Year
13.37%
▼
APR13.37%
Term5 Year
Last UpdatedNot available
Details

As Low As

Rate History
3 changes since Sep 14, 2026 · 12.90% → 13.37% ▲ 0.47 pts · high 13.38% / low 12.90%
12.40%13.14%13.88%Sep 14, 2026: 12.90% APRSep 21, 2026: 13.09% APROct 5, 2026: 13.38% APROct 9, 2026: 13.37% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202613.37%▼ from 13.38%
  • Oct 5, 202613.38%▲ from 13.09%
  • Sep 21, 202613.09%▲ from 12.90%
  • Sep 14, 202612.90%first recorded
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
12893 SE 97th Ave, Clackamas, OR, 97015
Personal LoanTerm: 5 years
13.50%
▼
APR13.50%
Term5 years
Last UpdatedNot available
Details

APR*

Rate History
No change since Sep 12, 2026 · 13.50% APR · checked 8 times
13.00%13.50%14.00%Sep 12, 2026: 13.50% APRSep 12, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
102 W 5th St, Rainier, OR, 97048
Personal Loans - 1-Payment NoteTerm: 1-Payment Note
13.99%
▼
APR13.99%
Term1-Payment Note
Last UpdatedNot available
Details

Maximum Financed: $100,000

Rate History
No change since Oct 12, 2026 · 13.99% APR
13.49%13.99%14.49%Oct 12, 2026: 13.99% APROct 12, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1300 SW 6th Ave, Portland, OR, 97201 3464
Personal Loans - 699 - 660
13.99%
▼
APR13.99%
TermN/A
Last UpdatedNot available
Details

Credit Score: 699 - 660; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount

Rate History
No change since Oct 13, 2026 · 13.99% APR
13.49%13.99%14.49%Oct 13, 2026: 13.99% APROct 13, 2026Oct 13, 2026
Trailhead Federal Credit Union
Institution Rating:
C3.9 ★Texas Ratio: 28.59%
221 NW 2nd Ave Ste 100, Portland, OR, 97209 3959
Personal LoanTerm: Up to 48 months
14.00%
▼
APR14.00%
TermUp to 48 months
Last UpdatedNot available
Details

Published APR range: 14.00% - 18.00%.

Rate History
No change since Sep 16, 2026 · 14.00% APR · checked 5 times
13.50%14.00%14.50%Sep 16, 2026: 14.00% APRSep 16, 2026Oct 13, 2026
Machinists-Boilermakers Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.28%
25 Cornell Ave, Gladstone, OR, 97027
Signature Loan
14.00%
▼
APR14.00%
TermN/A
Last UpdatedNot available
Details

As Low As; starting at 14.00% APR

Rate History
No change since Sep 14, 2026 · 14.00% APR · checked 9 times
13.50%14.00%14.50%Sep 14, 2026: 14.00% APRSep 14, 2026Oct 13, 2026
Emerald Empire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
850 Beltline Rd, Springfield, OR, 97477
Signature LoanTerm: Up to 48 Months
14.25%
▼
APR14.25%
TermUp to 48 Months
Last UpdatedNot available
Details

Published APR range: 14.25% -18.00%. APR WITH Auto Payment; Not to exceed aggregate unsecured amount of $6,000; Fixed APR; APR based on credit qualifications, term and loan amount

Rate History
No change since Oct 12, 2026 · 14.25% APR
13.75%14.25%14.75%Oct 12, 2026: 14.25% APROct 12, 2026Oct 13, 2026
Emerald Empire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
850 Beltline Rd, Springfield, OR, 97477
Signature LoanTerm: Up to 48 Months
14.50%
▼
APR14.50%
TermUp to 48 Months
Last UpdatedNot available
Details

Published APR range: 14.50% - 18.00%. APR WITHOUT Auto Payment; Not to exceed aggregate unsecured amount of $6,000; Fixed APR; APR based on credit qualifications, term and loan amount

Rate History
No change since Oct 12, 2026 · 14.50% APR
14.00%14.50%15.00%Oct 12, 2026: 14.50% APROct 12, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15099 SE Mcloughlin Blvd, Milwaukie, OR, 97267
Payday Alternative Loan
15.00%
▼
APR15.00%
TermN/A
Last UpdatedNot available
Details

As Low As; Personal Loans and Lines

Rate History
No change since Sep 14, 2026 · 15.00% APR · checked 8 times
14.50%15.00%15.50%Sep 14, 2026: 15.00% APRSep 14, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1300 SW 6th Ave, Portland, OR, 97201 3464
Personal Loans - 659 - 610
15.49%
▼
APR15.49%
TermN/A
Last UpdatedNot available
Details

Credit Score: 659 - 610; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount

Rate History
No change since Oct 13, 2026 · 15.49% APR
14.99%15.49%15.99%Oct 13, 2026: 15.49% APROct 13, 2026Oct 13, 2026
Central Willamette Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
7101 Supra Dr SW, Albany, OR, 97321
Community Partnership Unsecured Loan
16.00%
▼
APR16.00%
TermN/A
Last UpdatedNot available
Details

Periodic Rate Range: 0.043836%

Rate History
No change since Sep 14, 2026 · 16.00% APR · checked 6 times
15.50%16.00%16.50%Sep 14, 2026: 16.00% APRSep 14, 2026Oct 13, 2026
Oregon State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1980 NW 9th St, Corvallis, OR, 97330 2179
Personal LoanTerm: 37-60 months
16.74%
▼
APR16.74%
Term37-60 months
Last UpdatedNot available
Details

APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month and 0.25% APR reduction for qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.

Rate History
No change since Sep 14, 2026 · 16.74% APR · checked 5 times
16.24%16.74%17.24%Sep 14, 2026: 16.74% APRSep 14, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1300 SW 6th Ave, Portland, OR, 97201 3464
Personal Loans - 609 - 560
18.49%
▼
APR18.49%
TermN/A
Last UpdatedNot available
Details

Credit Score: 609 - 560; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount

Rate History
No change since Oct 13, 2026 · 18.49% APR
17.99%18.49%18.99%Oct 13, 2026: 18.49% APROct 13, 2026Oct 13, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1370 Center Dr, Medford, OR, 97501 7941
Signature Rewards Loan
18.74%
▼
APR18.74%
TermN/A
Last UpdatedNot available
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 18.49% → 18.74% ▲ 0.25 pts · high 18.74% / low 18.49%
17.99%18.62%19.24%Sep 14, 2026: 18.49% APRSep 27, 2026: 18.74% APRSep 14, 2026Oct 13, 2026
  • Sep 27, 202618.74%▲ from 18.49%
  • Sep 14, 202618.49%first recorded
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1300 SW 6th Ave, Portland, OR, 97201 3464
Personal Loans - 559 or below
19.49%
▼
APR19.49%
TermN/A
Last UpdatedNot available
Details

Credit Score: 559 or below; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount

Rate History
No change since Oct 13, 2026 · 19.49% APR
18.99%19.49%19.99%Oct 13, 2026: 19.49% APROct 13, 2026Oct 13, 2026

Oregon Personal Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
118 Ne 3rd St, Mcminnville, OR, 97128
Personal Loan - MY LoanTerm: 36 months
6.84%
▼
APR6.84%
Term36 months
Last UpdatedNot available
Details

Additional APR listed for this product: 8.840%.

Rate History
No change since Oct 7, 2026 · 6.84% APR · checked 2 times
6.34%6.84%7.34%Oct 7, 2026: 6.84% APROct 7, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
118 Ne 3rd St, Mcminnville, OR, 97128
Personal Loan - MY LoanTerm: 48 months
6.99%
▼
APR6.99%
Term48 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 6.99% APR · checked 2 times
6.49%6.99%7.49%Oct 7, 2026: 6.99% APROct 7, 2026Oct 13, 2026
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
118 Ne 3rd St, Mcminnville, OR, 97128
Personal Loan - MY LoanTerm: 60 months
7.24%
▼
APR7.24%
Term60 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 7.24% APR · checked 2 times
6.74%7.24%7.74%Oct 7, 2026: 7.24% APROct 7, 2026Oct 13, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
12893 SE 97th Ave, Clackamas, OR, 97015
Personal LoanTerm: 1 years
9.00%
▼
APR9.00%
Term1 years
Last UpdatedNot available
Details

As Low As; APR* as low as

Rate History
1 change since Sep 12, 2026 · 10.00% → 9.00% ▼ 1.00 pts · high 10.00% / low 9.00%
8.00%9.50%11.00%Sep 12, 2026: 10.00% APROct 12, 2026: 9.00% APRSep 12, 2026Oct 13, 2026
  • Oct 12, 20269.00%▼ from 10.00%
  • Sep 12, 202610.00%first recorded
Point West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
Personal LoansTerm: 1 - 60 months
9.25%
▼
APR9.25%
Term1 - 60 months
Last UpdatedNot available
Details

APR range 9.25% - 24.00%; variable, rate changes with Prime Rate index; lowest rate requires automatic payment and direct deposit enrollment; +0.25% APR for non-auto-pay; +0.50% APR without direct deposit

Rate History
No change since Sep 14, 2026 · 9.25% APR · checked 7 times
8.75%9.25%9.75%Sep 14, 2026: 9.25% APRSep 14, 2026Oct 13, 2026
NW Priority Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
12630 SE Division St, Portland, OR, 97236 3132
Personal Loans
9.99%
▼
APR9.99%
TermN/A
Last UpdatedNot available
Details

As Low As; Today's Rates homepage featured rate

Rate History
No change since Sep 22, 2026 · 9.99% APR · checked 4 times
9.49%9.99%10.49%Sep 22, 2026: 9.99% APRSep 22, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1300 SW 6th Ave, Portland, OR, 97201 3464
Personal Loans - 740+
9.99%
▼
APR9.99%
TermN/A
Last UpdatedNot available
Details

Credit Score: 740+; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount

Rate History
No change since Oct 13, 2026 · 9.99% APR
9.49%9.99%10.49%Oct 13, 2026: 9.99% APROct 13, 2026Oct 13, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
12893 SE 97th Ave, Clackamas, OR, 97015
Personal LoanTerm: 1 years
10.00%
▼
APR10.00%
Term1 years
Last UpdatedNot available
Details

APR*

Rate History
No change since Sep 12, 2026 · 10.00% APR · checked 8 times
9.50%10.00%10.50%Sep 12, 2026: 10.00% APRSep 12, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1300 SW 6th Ave, Portland, OR, 97201 3464
Personal Loans - 739 - 700
10.49%
▼
APR10.49%
TermN/A
Last UpdatedNot available
Details

Credit Score: 739 - 700; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount

Rate History
No change since Oct 13, 2026 · 10.49% APR
9.99%10.49%10.99%Oct 13, 2026: 10.49% APROct 13, 2026Oct 13, 2026
Pacific Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
1075 Oak St, Eugene, OR, 97401
Personal Loans
10.65%
▼
APR10.65%
TermN/A
Last UpdatedNot available
Details

As Low As; See Rate Sheet for details

Rate History
No change since Sep 14, 2026 · 10.65% APR · checked 9 times
10.15%10.65%11.15%Sep 14, 2026: 10.65% APRSep 14, 2026Oct 13, 2026
Central Willamette Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
7101 Supra Dr SW, Albany, OR, 97321
Personal LoanTerm: Up to 60 months
10.75%
▼
APR10.75%
TermUp to 60 months
Last UpdatedNot available
Details

Published APR range: 10.75% - 22.25%. Effective Date: October 1, 2026; Periodic Rate Range: 0.036986% to 0.060959%

Rate History
No change since Sep 18, 2026 · 10.75% APR · checked 4 times
10.25%10.75%11.25%Sep 18, 2026: 10.75% APRSep 18, 2026Oct 13, 2026
Forrit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
12550 SE 93rd Ave, Clackamas, OR, 97015
Personal Loan (Signature Loan)Term: Up to 60 Months
10.89%
▼
APR10.89%
TermUp to 60 Months
Last UpdatedNot available
Details

APR range: 10.89% - 16.49%

Rate History
No change since Sep 14, 2026 · 10.89% APR · checked 6 times
10.39%10.89%11.39%Sep 14, 2026: 10.89% APRSep 14, 2026Oct 13, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
2972 Washburn Way, Klamath Falls, OR, 97603
Personal LoansTerm: Up to 84 months
10.99%
▼
APR10.99%
TermUp to 84 months
Last UpdatedNot available
Details

All Loans are subject to approval, actual APR is subject to change and is based on borrower's creditworthiness and terms of loan. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.

Rate History
No change since Sep 16, 2026 · 10.99% APR · checked 5 times
10.49%10.99%11.49%Sep 16, 2026: 10.99% APRSep 16, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
102 W 5th St, Rainier, OR, 97048
Personal Loans - 1 to 12 MonthsTerm: 1 to 12 Months
10.99%
▼
APR10.99%
Term1 to 12 Months
Last UpdatedNot available
Details

Maximum Financed: $100,000

Rate History
No change since Oct 12, 2026 · 10.99% APR
10.49%10.99%11.49%Oct 12, 2026: 10.99% APROct 12, 2026Oct 13, 2026
HAPO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
1905 N 1st St, Hermiston, OR, 97838
Personal Loan
10.99%
▼
APR10.99%
TermN/A
Last UpdatedNot available
Details

Published APR range: 10.99% to 17.99%.

Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 6 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
11619 Island Ave, Island City, OR, 97850
Personal LoanTerm: 60 Month
10.99%
▼
APR10.99%
Term60 Month
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 6 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
CUTTING EDGE
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
4620 SE International Way Ste 105, Milwaukie, OR, 97222
Personal Loan
10.99%
▼
APR10.99%
TermN/A
Last UpdatedNot available
Details

Published APR range: 10.99 to 18.00%.

Rate History
No change since Sep 22, 2026 · 10.99% APR · checked 5 times
10.49%10.99%11.49%Sep 22, 2026: 10.99% APRSep 22, 2026Oct 13, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
12893 SE 97th Ave, Clackamas, OR, 97015
Personal LoanTerm: 2 years
11.00%
▼
APR11.00%
Term2 years
Last UpdatedNot available
Details

APR*

Rate History
No change since Sep 12, 2026 · 11.00% APR · checked 8 times
10.50%11.00%11.50%Sep 12, 2026: 11.00% APRSep 12, 2026Oct 13, 2026
United Trades Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
20210 SW Teton Ave, Tualatin, OR, 97062
Personal LoanTerm: 72 months
11.00%
▼
APR11.00%
Term72 months
Last UpdatedNot available
Details

As Low As; Unlock your goals-low rates, fast approval, zero hassle!

Rate History
No change since Sep 14, 2026 · 11.00% APR · checked 8 times
10.50%11.00%11.50%Sep 14, 2026: 11.00% APRSep 14, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
102 W 5th St, Rainier, OR, 97048
Personal Loans - 13 to 24 MonthsTerm: 13 to 24 Months
11.49%
▼
APR11.49%
Term13 to 24 Months
Last UpdatedNot available
Details

Maximum Financed: $100,000

Rate History
No change since Oct 12, 2026 · 11.49% APR
10.99%11.49%11.99%Oct 12, 2026: 11.49% APROct 12, 2026Oct 13, 2026
IQ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
4239 N Williams Ave, Portland, OR, 97217
Personal LoansTerm: up to 72 months
11.74%
▼
APR11.74%
Termup to 72 months
Last UpdatedNot available
Details

Published APR range: 11.74% - 22.99%.

Rate History
1 change since Sep 14, 2026 · 11.49% → 11.74% ▲ 0.25 pts · high 11.74% / low 11.49%
10.99%11.62%12.24%Sep 14, 2026: 11.49% APROct 9, 2026: 11.74% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202611.74%▲ from 11.49%
  • Sep 14, 202611.49%first recorded
Oregonians Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
247 E Powell Blvd, Gresham, OR, 97030 7605
Personal LoanTerm: Up to 60 months
11.90%
▼
APR11.90%
TermUp to 60 months
Last UpdatedNot available
Details

Standard APR*

Rate History
No change since Sep 14, 2026 · 11.90% APR · checked 6 times
11.40%11.90%12.40%Sep 14, 2026: 11.90% APRSep 14, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
102 W 5th St, Rainier, OR, 97048
Personal Loans - 25 to 48 MonthsTerm: 25 to 48 Months
11.99%
▼
APR11.99%
Term25 to 48 Months
Last UpdatedNot available
Details

Maximum Financed: $100,000

Rate History
No change since Oct 12, 2026 · 11.99% APR
11.49%11.99%12.49%Oct 12, 2026: 11.99% APROct 12, 2026Oct 13, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
12893 SE 97th Ave, Clackamas, OR, 97015
Personal LoanTerm: 3 years
12.00%
▼
APR12.00%
Term3 years
Last UpdatedNot available
Details

APR*

Rate History
No change since Sep 12, 2026 · 12.00% APR · checked 8 times
11.50%12.00%12.50%Sep 12, 2026: 12.00% APRSep 12, 2026Oct 13, 2026
Valley Credit Union Salem, OR
Institution Rating:
C+4.2 ★Texas Ratio: 24.68%
2096 Mission St Se, Salem, OR, 97302
Unsecured Loan - Personal Loans, Lines of Credit
12.25%
▼
APR12.25%
TermN/A
Last UpdatedNot available
Details

APR range: 12.25% - 18.00%; $65.00 loan processing fee for consumer loans (excluding credit cards); rate based on credit worthiness, credit history, loan-to-value ratio and term

Rate History
No change since Sep 14, 2026 · 12.25% APR · checked 6 times
11.75%12.25%12.75%Sep 14, 2026: 12.25% APRSep 14, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
102 W 5th St, Rainier, OR, 97048
Personal Loans - 49 to 60 MonthsTerm: 49 to 60 Months
12.49%
▼
APR12.49%
Term49 to 60 Months
Last UpdatedNot available
Details

Maximum Financed: $100,000

Rate History
No change since Oct 12, 2026 · 12.49% APR
11.99%12.49%12.99%Oct 12, 2026: 12.49% APROct 12, 2026Oct 13, 2026
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1004 Pacific Ave, Hood River, OR, 97031 1961
Personal LoanTerm: Up to 60 months
12.49%
▼
APR12.49%
TermUp to 60 months
Last UpdatedNot available
Details

Published APR range: 12.49% - 18.00%. APR based on repayment period and credit qualifications

Rate History
No change since Sep 14, 2026 · 12.49% APR · checked 7 times
11.99%12.49%12.99%Sep 14, 2026: 12.49% APRSep 14, 2026Oct 13, 2026
Oregon State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1980 NW 9th St, Corvallis, OR, 97330 2179
Personal LoanTerm: Up to 36 months
12.49%
▼
APR12.49%
TermUp to 36 months
Last UpdatedNot available
Details

APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month and 0.25% APR reduction for qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.

Rate History
No change since Sep 14, 2026 · 12.49% APR · checked 5 times
11.99%12.49%12.99%Sep 14, 2026: 12.49% APRSep 14, 2026Oct 13, 2026
CASTPARTS EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
8120 SE Luther Rd, Portland, OR, 97206 9238
Personal LoanTerm: Up to 60 months
12.49%
▼
APR12.49%
TermUp to 60 months
Last UpdatedNot available
Details

As Low As; *

Rate History
No change since Sep 14, 2026 · 12.49% APR · checked 7 times
11.99%12.49%12.99%Sep 14, 2026: 12.49% APRSep 14, 2026Oct 13, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
12893 SE 97th Ave, Clackamas, OR, 97015
Personal LoanTerm: 5 years
12.50%
▼
APR12.50%
Term5 years
Last UpdatedNot available
Details

As Low As; APR* as low as

Rate History
1 change since Sep 12, 2026 · 13.50% → 12.50% ▼ 1.00 pts · high 13.50% / low 12.50%
11.50%13.00%14.50%Sep 12, 2026: 13.50% APROct 12, 2026: 12.50% APRSep 12, 2026Oct 13, 2026
  • Oct 12, 202612.50%▼ from 13.50%
  • Sep 12, 202613.50%first recorded
Central Willamette Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
7101 Supra Dr SW, Albany, OR, 97321
Personal LoanTerm: 61 to 72 months
12.50%
▼
APR12.50%
Term61 to 72 months
Last UpdatedNot available
Details

Published APR range: 12.50% - 22.25%. Effective Date: October 1, 2026; Periodic Rate Range: 0.039726% to 0.060959%

Rate History
1 change since Sep 18, 2026 · 14.50% → 12.50% ▼ 2.00 pts · high 14.50% / low 12.50%
10.50%13.50%16.50%Sep 18, 2026: 14.50% APROct 13, 2026: 12.50% APRSep 18, 2026Oct 13, 2026
  • Oct 13, 202612.50%▼ from 14.50%
  • Sep 18, 202614.50%first recorded
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15099 SE Mcloughlin Blvd, Milwaukie, OR, 97267
Personal Loan - Member Perks
12.75%
▼
APR12.75%
TermN/A
Last UpdatedNot available
Details

Member Perks pricing: 0.25% discount on the rates listed above

Rate History
No change since Oct 5, 2026 · 12.75% APR · checked 3 times
12.25%12.75%13.25%Oct 5, 2026: 12.75% APROct 5, 2026Oct 13, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
12893 SE 97th Ave, Clackamas, OR, 97015
Personal LoanTerm: 4 years
13.00%
▼
APR13.00%
Term4 years
Last UpdatedNot available
Details

APR*

Rate History
No change since Sep 12, 2026 · 13.00% APR · checked 8 times
12.50%13.00%13.50%Sep 12, 2026: 13.00% APRSep 12, 2026Oct 13, 2026
Embold Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15099 SE Mcloughlin Blvd, Milwaukie, OR, 97267
Personal Loan
13.00%
▼
APR13.00%
TermN/A
Last UpdatedNot available
Details

As Low As; Personal Loans and Lines

Rate History
No change since Sep 14, 2026 · 13.00% APR · checked 8 times
12.50%13.00%13.50%Sep 14, 2026: 13.00% APRSep 14, 2026Oct 13, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1370 Center Dr, Medford, OR, 97501 7941
Personal Loan
13.00%
▼
APR13.00%
TermN/A
Last UpdatedNot available
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 12.75% → 13.00% ▲ 0.25 pts · high 13.00% / low 12.75%
12.25%12.88%13.50%Sep 14, 2026: 12.75% APRSep 22, 2026: 13.00% APRSep 14, 2026Oct 13, 2026
  • Sep 22, 202613.00%▲ from 12.75%
  • Sep 14, 202612.75%first recorded
Mid Oregon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
OR
Personal Loans & Lines of Credit
13.28%
▼
APR13.28%
TermN/A
Last UpdatedNot available
Details

As Low As; Variable APR; Effective October 1, 2026

Rate History
1 change since Sep 14, 2026 · 13.02% → 13.28% ▲ 0.26 pts · high 13.28% / low 13.02%
12.52%13.15%13.78%Sep 14, 2026: 13.02% APROct 5, 2026: 13.28% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 202613.28%▲ from 13.02%
  • Sep 14, 202613.02%first recorded
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
12893 SE 97th Ave, Clackamas, OR, 97015
Personal LoanTerm: 5 years
13.50%
▼
APR13.50%
Term5 years
Last UpdatedNot available
Details

APR*

Rate History
No change since Sep 12, 2026 · 13.50% APR · checked 8 times
13.00%13.50%14.00%Sep 12, 2026: 13.50% APRSep 12, 2026Oct 13, 2026
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
102 W 5th St, Rainier, OR, 97048
Personal Loans - 1-Payment NoteTerm: 1-Payment Note
13.99%
▼
APR13.99%
Term1-Payment Note
Last UpdatedNot available
Details

Maximum Financed: $100,000

Rate History
No change since Oct 12, 2026 · 13.99% APR
13.49%13.99%14.49%Oct 12, 2026: 13.99% APROct 12, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1300 SW 6th Ave, Portland, OR, 97201 3464
Personal Loans - 699 - 660
13.99%
▼
APR13.99%
TermN/A
Last UpdatedNot available
Details

Credit Score: 699 - 660; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount

Rate History
No change since Oct 13, 2026 · 13.99% APR
13.49%13.99%14.49%Oct 13, 2026: 13.99% APROct 13, 2026Oct 13, 2026
Trailhead Federal Credit Union
Institution Rating:
C3.9 ★Texas Ratio: 28.59%
221 NW 2nd Ave Ste 100, Portland, OR, 97209 3959
Personal LoanTerm: Up to 48 months
14.00%
▼
APR14.00%
TermUp to 48 months
Last UpdatedNot available
Details

Published APR range: 14.00% - 18.00%.

Rate History
No change since Sep 16, 2026 · 14.00% APR · checked 5 times
13.50%14.00%14.50%Sep 16, 2026: 14.00% APRSep 16, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1300 SW 6th Ave, Portland, OR, 97201 3464
Personal Loans - 659 - 610
15.49%
▼
APR15.49%
TermN/A
Last UpdatedNot available
Details

Credit Score: 659 - 610; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount

Rate History
No change since Oct 13, 2026 · 15.49% APR
14.99%15.49%15.99%Oct 13, 2026: 15.49% APROct 13, 2026Oct 13, 2026
Oregon State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1980 NW 9th St, Corvallis, OR, 97330 2179
Personal LoanTerm: 37-60 months
16.74%
▼
APR16.74%
Term37-60 months
Last UpdatedNot available
Details

APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month and 0.25% APR reduction for qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.

Rate History
No change since Sep 14, 2026 · 16.74% APR · checked 5 times
16.24%16.74%17.24%Sep 14, 2026: 16.74% APRSep 14, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1300 SW 6th Ave, Portland, OR, 97201 3464
Personal Loans - 609 - 560
18.49%
▼
APR18.49%
TermN/A
Last UpdatedNot available
Details

Credit Score: 609 - 560; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount

Rate History
No change since Oct 13, 2026 · 18.49% APR
17.99%18.49%18.99%Oct 13, 2026: 18.49% APROct 13, 2026Oct 13, 2026
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1300 SW 6th Ave, Portland, OR, 97201 3464
Personal Loans - 559 or below
19.49%
▼
APR19.49%
TermN/A
Last UpdatedNot available
Details

Credit Score: 559 or below; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount

Rate History
No change since Oct 13, 2026 · 19.49% APR
18.99%19.49%19.99%Oct 13, 2026: 19.49% APROct 13, 2026Oct 13, 2026

Oregon Debt Consolidation Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
CASTPARTS EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
8120 SE Luther Rd, Portland, OR, 97206 9238
Debt Consolidation Loan SpecialTerm: Up to 36 months
5.00%
▼
APR5.00%
Interest Rate5.00%
TermUp to 36 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 7 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
Point West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
Debt Consolidation LoanTerm: 1 - 48 months
10.24%
▼
APR10.24%
Term1 - 48 months
Last UpdatedNot available
Details

APR (Fixed); Automatic payments required for lowest rate

Rate History
No change since Sep 14, 2026 · 10.24% APR · checked 7 times
9.74%10.24%10.74%Sep 14, 2026: 10.24% APRSep 14, 2026Oct 13, 2026
Point West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
Debt Consolidation LoanTerm: 49 - 60 months
10.74%
▼
APR10.74%
Term49 - 60 months
Last UpdatedNot available
Details

APR (Fixed); Automatic payments required for lowest rate

Rate History
No change since Sep 14, 2026 · 10.74% APR · checked 7 times
10.24%10.74%11.24%Sep 14, 2026: 10.74% APRSep 14, 2026Oct 13, 2026

Oregon Signature Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Benton County Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2101 NW Professional DR, Corvallis, OR, 97330
Signature LoansTerm: 36 Months
6.50%
▼
APR6.50%
Term36 Months
Last UpdatedNot available
Details

Lowest rates offered; rate may vary depending on credit history

Rate History
No change since Sep 18, 2026 · 6.50% APR · checked 5 times
6.00%6.50%7.00%Sep 18, 2026: 6.50% APRSep 18, 2026Oct 13, 2026
Benton County Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2101 NW Professional DR, Corvallis, OR, 97330
Signature LoansTerm: 48 Months
7.50%
▼
APR7.50%
Term48 Months
Last UpdatedNot available
Details

Lowest rates offered; rate may vary depending on credit history

Rate History
No change since Sep 18, 2026 · 7.50% APR · checked 5 times
7.00%7.50%8.00%Sep 18, 2026: 7.50% APRSep 18, 2026Oct 13, 2026
Benton County Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2101 NW Professional DR, Corvallis, OR, 97330
Signature LoansTerm: 60 Months
8.50%
▼
APR8.50%
Term60 Months
Last UpdatedNot available
Details

Lowest rates offered; rate may vary depending on credit history

Rate History
1 change since Sep 14, 2026 · 7.50% → 8.50% ▲ 1.00 pts · high 8.50% / low 7.50%
6.50%8.00%9.50%Sep 14, 2026: 7.50% APRSep 18, 2026: 8.50% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20268.50%▲ from 7.50%
  • Sep 14, 20267.50%first recorded
IBEW And United Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
9955 SE Washington St, Portland, OR, 97216
Signature LoanTerm: 12 months
9.49%
▼
APR9.49%
Interest Rate9.49%
Term12 months
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 14, 2026 · 9.49% APR · checked 8 times
8.99%9.49%9.99%Sep 14, 2026: 9.49% APRSep 14, 2026Oct 13, 2026
IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
1825 12th St SE Ste 130, Salem, OR, 97302 2159
Signature Loans & Line-of-CreditTerm: Up to 60-Month
9.90%
▼
APR9.90%
TermUp to 60-Month
Last UpdatedNot available
Details

Maximum $25,000

Rate History
No change since Sep 17, 2026 · 9.90% APR · checked 8 times
9.40%9.90%10.40%Sep 17, 2026: 9.90% APRSep 17, 2026Oct 13, 2026
Gateway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
3030 Gateway Loop, Springfield, OR, 97477
Signature LoanTerm: 12 - 60 months
9.90%
▼
APR9.90%
Term12 - 60 months
Last UpdatedNot available
Details

Published APR range: 9.9% - 19.99%. Daily Periodic Rate: .02712 - .05452; Default Rate: 19.9%

Rate History
No change since Oct 9, 2026 · 9.90% APR · checked 2 times
9.40%9.90%10.40%Oct 9, 2026: 9.90% APROct 9, 2026Oct 13, 2026
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
1866 NE 162nd Ave, Portland, OR, 97230 5642
Signature LoanTerm: 48 months
9.99%
▼
APR9.99%
Term48 months
Last UpdatedNot available
Details

As Low As; Rates effective August 25, 2026

Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 9 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Wauna Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
Lifestyle Loan/Signature LoanTerm: Up to 12 months
9.99%
▼
APR9.99%
TermUp to 12 months
Last UpdatedNot available
Details

APR (Min) 9.99%; APR (Max) 18.00%

Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 4 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
SUNSET SCIENCE PARK
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1100 NW Murray Rd Ste 200, Portland, OR, 97229 5561
Signature Loan
10.25%
▼
APR10.25%
Interest Rate10.25%
TermN/A
Last UpdatedNot available
Details

Published rate range: 10.25% - 18.00%. Fixed

Rate History
No change since Sep 14, 2026 · 10.25% APR · checked 7 times
9.75%10.25%10.75%Sep 14, 2026: 10.25% APRSep 14, 2026Oct 13, 2026
Ironworkers USA Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.11%
11620 NE Ainsworth Cir, Portland, OR, 97220
Signature LoansTerm: 36 months
10.49%
▼
APR10.49%
Term36 months
Last UpdatedNot available
Details

Published APR range: 10.49 - 18%. Rates are based on credit history, credit qualifications, and loan term

Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 9 times
9.99%10.49%10.99%Sep 14, 2026: 10.49% APRSep 14, 2026Oct 13, 2026
Forrit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
12550 SE 93rd Ave, Clackamas, OR, 97015
Personal Loan (Signature Loan)Term: Up to 60 Months
10.89%
▼
APR10.89%
TermUp to 60 Months
Last UpdatedNot available
Details

APR range: 10.89% - 16.49%

Rate History
No change since Sep 14, 2026 · 10.89% APR · checked 6 times
10.39%10.89%11.39%Sep 14, 2026: 10.89% APRSep 14, 2026Oct 13, 2026
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
10333 SE Main St, Portland, OR, 97216 2940
Signature LoansTerm: Up to 60 Months
10.99%
▼
APR10.99%
TermUp to 60 Months
Last UpdatedNot available
Details

Published APR range: 10.99% - 17.95%.

Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 9 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
Wauna Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
Lifestyle Loan/Signature LoanTerm: Up to 72 months
11.99%
▼
APR11.99%
TermUp to 72 months
Last UpdatedNot available
Details

APR (Min) 11.99%; APR (Max) 12.99%

Rate History
No change since Sep 14, 2026 · 11.99% APR · checked 7 times
11.49%11.99%12.49%Sep 14, 2026: 11.99% APRSep 14, 2026Oct 13, 2026
EWEB EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
Signature Loan
12.00%
▼
APR12.00%
TermN/A
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 7 times
11.50%12.00%12.50%Sep 14, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
Machinists-Boilermakers Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.28%
25 Cornell Ave, Gladstone, OR, 97027
Signature Loan
14.00%
▼
APR14.00%
TermN/A
Last UpdatedNot available
Details

As Low As; starting at 14.00% APR

Rate History
No change since Sep 14, 2026 · 14.00% APR · checked 9 times
13.50%14.00%14.50%Sep 14, 2026: 14.00% APRSep 14, 2026Oct 13, 2026
Emerald Empire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
850 Beltline Rd, Springfield, OR, 97477
Signature LoanTerm: Up to 48 Months
14.25%
▼
APR14.25%
TermUp to 48 Months
Last UpdatedNot available
Details

Published APR range: 14.25% -18.00%. APR WITH Auto Payment; Not to exceed aggregate unsecured amount of $6,000; Fixed APR; APR based on credit qualifications, term and loan amount

Rate History
No change since Oct 12, 2026 · 14.25% APR
13.75%14.25%14.75%Oct 12, 2026: 14.25% APROct 12, 2026Oct 13, 2026
Emerald Empire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
850 Beltline Rd, Springfield, OR, 97477
Signature LoanTerm: Up to 48 Months
14.50%
▼
APR14.50%
TermUp to 48 Months
Last UpdatedNot available
Details

Published APR range: 14.50% - 18.00%. APR WITHOUT Auto Payment; Not to exceed aggregate unsecured amount of $6,000; Fixed APR; APR based on credit qualifications, term and loan amount

Rate History
No change since Oct 12, 2026 · 14.50% APR
14.00%14.50%15.00%Oct 12, 2026: 14.50% APROct 12, 2026Oct 13, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1370 Center Dr, Medford, OR, 97501 7941
Signature Rewards Loan
18.74%
▼
APR18.74%
TermN/A
Last UpdatedNot available
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 18.49% → 18.74% ▲ 0.25 pts · high 18.74% / low 18.49%
17.99%18.62%19.24%Sep 14, 2026: 18.49% APRSep 27, 2026: 18.74% APRSep 14, 2026Oct 13, 2026
  • Sep 27, 202618.74%▲ from 18.49%
  • Sep 14, 202618.49%first recorded

Oregon Personal Loan Rate Trends

Compare local Oregon personal loan rates against the statewide average

Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Oregon Personal Loan Trends
Personal Loan OR Avg
11.501%
▼ 0.110 vs 7 days ago

Oregon personal loan rates fell 0.110 points over the past 7 days to 11.501% APR.

Signature Loan OR Avg
10.686%
▲ 0.199 vs 7 days ago

Oregon signature loan rates rose 0.199 points over the past 7 days to 10.686% APR.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered byMonitorBankRates

Oregon Personal Loan Rate Forecast, Next 12 Months

Personal loan APRs follow lender funding costs and credit conditions. Our model projects the likely path of personal and signature loan averages from the current Oregon figures.

Current Personal Loan Avg
11.50%
APR, as of Oct 13, 2026
6-Month Forecast
11.58%
Fed hold assumed
12-Month Forecast
11.65%
Range: 11.30% to 11.85%
Forecast Methodology & Assumptions

Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; unsecured lenders reprice new offers within one to two policy cycles, and advertised as-low-as rates move before average approved rates do.

Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.

Powered byMonitorBankRates

What Would Your Monthly Payment Be?

Estimated monthly payments at the current OR average personal loan APR of 11.50%, across the terms lenders serving Oregon most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.

Loan Amount 24 Months 36 Months 48 Months 60 Months
$5,000 $234.20/mo $164.88/mo $130.45/mo $109.96/mo
$10,000 $468.41/mo $329.76/mo $260.89/mo $219.93/mo
$15,000 $702.61/mo $494.64/mo $391.34/mo $329.89/mo
$25,000 $1,171.01/mo $824.41/mo $652.23/mo $549.82/mo
$35,000 $1,639.42/mo $1,154.17/mo $913.13/mo $769.75/mo

Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.

Powered byMonitorBankRates

Consolidating Credit Card Debt in Oregon

Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the OR personal loan average versus a range of typical credit card APRs.

Repayment Option APR Monthly Payment Total Interest Interest Saved
Personal Loan (OR average) 11.50% $391.34 $3,784
Credit card at 18% APR 18.00% $440.62 $6,150 $2,366
Credit card at 22% APR 22.00% $472.59 $7,684 $3,900
Credit card at 26% APR 26.00% $505.76 $9,276 $5,492

The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average. Check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.

How to Get the Best Personal Loan Rate in Oregon

1

Prequalify With a Soft Credit Check

Most lenders serving Oregon will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying. The advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.

2

Compare APR, Not the Interest Rate

Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.

3

Check Local Credit Unions First

Credit unions consistently publish the lowest personal loan APRs in our Oregon data, and many charge no origination fee. Membership is usually easier than expected; many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.

4

Borrow Only What You Need, for as Short a Term as You Can

Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.

A personal loan may not be the cheapest option for your situation

Oregon Financial Snapshot

Local demographics and economic context for borrowers. Source: U.S. Census Bureau

$45,919
Median Individual Earnings
National avg: $47,340
5.3%
Unemployment Rate
National avg: 4.8%
11.9%
Poverty Rate
National avg: 11.1%
$391/mo
Payment on a $15K / 48-mo Loan
At the OR average 11.50% APR

A $391 monthly loan payment is roughly 10.2% of the median individual income in Oregon. Lenders generally want your total monthly debt payments, including housing, to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.

Personal Loan vs. Other Ways to Borrow

A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in Oregon.

Feature Personal Loan Credit Card 0% Balance Transfer Home Equity Loan / HELOC
Typical APR Level ● Mid, fixed ✗ Highest, variable ✓ 0% for a promo window ✓ Usually lowest
Collateral Required ✓ None ✓ None ✓ None ✗ Your home is at risk
Payment Predictability ✓ Fixed payment and payoff date ✗ Revolving, can last indefinitely ● Rate jumps when promo ends ● Fixed for loans, variable for HELOCs
Speed to Funding ✓ Often 1 to 3 business days ✓ Immediate if you hold the card ● Card approval plus transfer time ✗ Weeks (appraisal and closing)
Upfront Costs ● Origination fee up to ~10% ✓ None ● Transfer fee, typically 3 to 5% ● Closing costs possible
Best For Consolidation and one-off costs, no collateral Small balances paid in full monthly Debt you can clear inside the promo window Large projects when you have equity and time

General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt; missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.

Personal Loan Payment Calculator

Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current OR average, or click any rate on the right to apply it instantly.

$
%
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Total Interest Paid$0
Total of All Payments$0
Origination Fee$0
Cash You Actually Receive$0
Total Cost of Borrowing$0

Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds; you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Oregon personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Oregon directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Oregon. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in OR.

Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.

Personal Loans for Bad Credit in Oregon

A FICO score below 580 is considered poor and 580 to 669 is fair. You can still get a personal loan with bad credit, but expect an APR well above the best rates on this page, a smaller loan amount, or a request for collateral or a cosigner. Where you apply matters as much as your score.

Avg. personal loan APR we track: 11.02%Federal credit union cap: 18% APRCredit union PAL cap: 28% APR

Start With a Credit Union

Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027. Many weigh your income and membership history, not just your score.

Ask About a Payday Alternative Loan

Many federal credit unions offer PALs for small, short term needs, capped at 28% APR with an application fee of no more than $20. That is a fraction of what a payday lender charges.

Secure the Loan With Savings

A share secured or CD secured loan uses your own savings as collateral, so approval is easy and the APR is low. On time payments are reported to the credit bureaus and help rebuild your score.

Add a Cosigner or Co-borrower

A second applicant with stronger credit can lower your rate and raise the amount you qualify for. They are equally responsible for every payment.

Prequalify Before You Apply

Most lenders show an estimated rate with a soft credit check that does not affect your score. Compare APRs, including any origination fee, before you submit a full application.

Avoid Payday and Title Loans

The CFPB notes a typical payday fee of $15 per $100 equals an APR of almost 400% on a two week loan. A title loan puts your car at risk. A credit union loan costs far less.

See Personal Loans for Bad Credit

Frequently Asked Questions

What credit score do I need for a personal loan in Oregon?

Most lenders in Oregon require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Oregon often have more flexible requirements than traditional banks.

What is the difference between secured and unsecured personal loans?

Unsecured personal loans in Oregon require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.

Can I use a personal loan for debt consolidation in Oregon?

Yes. Debt consolidation is one of the most common uses of personal loans in Oregon. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.

Are credit unions or banks better for personal loans in Oregon?

Credit unions in Oregon often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.

What is an origination fee on a personal loan?

An origination fee is a one-time charge some lenders deduct from your loan proceeds, commonly 1% to 10% of the amount borrowed. On a $15,000 loan a 5% fee means you receive $14,250 but still owe interest on the full $15,000. The fee is built into the APR but not the interest rate, so compare lenders serving Oregon on APR. Many credit unions charge no origination fee at all.

Does checking personal loan rates hurt my credit score?

Prequalifying does not. Most lenders let you check an estimated rate with a soft credit inquiry that is invisible to other lenders and does not affect your score. Only a formal application triggers a hard inquiry. If you submit several full applications, group them within a short shopping window so credit scoring models treat them as one rate-shopping event.

Can I pay off a personal loan early?

Most personal loans from banks and credit unions serving Oregon carry no prepayment penalty, so paying early reduces your total interest. Confirm before signing, because a small number of lenders charge a prepayment fee or use precomputed interest, which removes the benefit of paying ahead of schedule.

Can I get a personal loan with bad credit in Oregon?

Yes. Credit unions, community banks, and some online lenders approve borrowers with fair or poor credit, often for smaller amounts or with a cosigner or collateral. A secured loan backed by your savings or a CD is the easiest approval and also helps rebuild your credit.

What is the maximum APR on a bad credit personal loan from a credit union?

Federal credit unions are limited to 18% APR on most loans through September 10, 2027. Payday alternative loans from federal credit unions are capped at 28% APR with an application fee of no more than $20. State chartered credit unions follow state law, and other lenders can charge much more, so always compare the APR.

What are the best personal loan rates in Oregon?

  • Benton County Schools Credit Union: 4.50% (Consolidation Loan - 36 Months)
  • CASTPARTS EMPLOYEES: 5.00% (Debt Consolidation Loan Special)
  • First Federal S&L of McMinnville: 6.84% (Personal Loan - MY Loan)
  • Ukrainian Federal Credit Union: 9.00% (Personal Loan)
  • EWEB EMPLOYEES: 9.00% (Personal Property Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Oregon. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: October 13, 2026.

Oregon Rates & Resources

Cities in Oregon

  • Adair Village
  • Adams
  • Adel
  • Adrian
  • Agness
  • Albany
  • Allegany
  • Alsea
  • Alvadore
  • Amity
  • Antelope
  • Arch Cape
  • Arlington
  • Arock
  • Ashland
  • Ashwood
  • Astoria
  • Athena
  • Aumsville
  • Aurora
  • Azalea
  • Baker City
  • Bandon
  • Banks
  • Barlow
  • Bates
  • Bay City
  • Beatty
  • Beaver
  • Beavercreek
  • Beaverton
  • Bend
  • Blachly
  • Blodgett
  • Blue River
  • Bly
  • Boardman
  • Bonanza
  • Boring
  • Bridal Veil
  • Bridgeport
  • Brightwood
  • Broadbent
  • Brogan
  • Brookings
  • Brothers
  • Brownsville
  • Burns
  • Butte Falls
  • Buxton
  • Camas Valley
  • Camp Sherman
  • Canby
  • Cannon Beach
  • Canyon City
  • Canyonville
  • Carlton
  • Cascade Locks
  • Cascadia
  • Cave Junction
  • Cayuse
  • Central Point
  • Chemult
  • Cheshire
  • Chiloquin
  • Christmas Valley
  • Clackamas
  • Clatskanie
  • Cloverdale
  • Coburg
  • Colton
  • Columbia City
  • Condon
  • Coos Bay
  • Coquille
  • Corbett
  • Cornelius
  • Corvallis
  • Cottage Grove
  • Cove
  • Crabtree
  • Crane
  • Crater Lake
  • Crawfordsville
  • Crescent
  • Crescent Lake
  • Creswell
  • Culp Creek
  • Culver
  • Curtin
  • Dairy
  • Dallas
  • Days Creek
  • Dayton
  • Dayville
  • Deadwood
  • Deer Island
  • Depoe Bay
  • Detroit
  • Dexter
  • Diamond
  • Dillard
  • Donald
  • Dorena
  • Drain
  • Drewsey
  • Dufur
  • Dundee
  • Dunes City
  • Durham
  • Durkee
  • Eagle Creek
  • Eagle Point
  • Echo
  • Eddyville
  • Elgin
  • Elkton
  • Elmira
  • Enterprise
  • Estacada
  • Eugene
  • Fairview
  • Fall Creek
  • Falls City
  • Fields
  • Florence
  • Forest Grove
  • Fort Klamath
  • Fort Rock
  • Fossil
  • Foster
  • Fox
  • Frenchglen
  • Gales Creek
  • Gardiner
  • Garibaldi
  • Gaston
  • Gates
  • Gearhart
  • Gervais
  • Gilchrist
  • Gladstone
  • Glendale
  • Gleneden Beach
  • Glide
  • Gold Beach
  • Gold Hill
  • Government Camp
  • Grand Ronde
  • Granite
  • Grants Pass
  • Grass Valley
  • Gresham
  • Haines
  • Halfway
  • Halsey
  • Hammond
  • Happy Valley
  • Harper
  • Harrisburg
  • Hebo
  • Helix
  • Heppner
  • Hereford
  • Hermiston
  • Hillsboro
  • Hines
  • Hood River
  • Hubbard
  • Huntington
  • Idanha
  • Idleyld Park
  • Imbler
  • Imnaha
  • Independence
  • Ione
  • Ironside
  • Irrigon
  • Island City
  • Jacksonville
  • Jamieson
  • Jefferson
  • John Day
  • Johnson City
  • Jordan Valley
  • Joseph
  • Junction City
  • Juntura
  • Keizer
  • Keno
  • Kent
  • Kerby
  • Kimberly
  • King City
  • Klamath Falls
  • La Grande
  • La Pine
  • Lafayette
  • Lake Oswego
  • Lakeside
  • Lakeview
  • Langlois
  • Lawen
  • Lebanon
  • Lexington
  • Lincoln City
  • Logsden
  • Lonerock
  • Long Creek
  • Lorane
  • Lostine
  • Lowell
  • Lyons
  • Madras
  • Malin
  • Manning
  • Manzanita
  • Mapleton
  • Marcola
  • Marion
  • Marylhurst
  • Maupin
  • Maywood Park
  • Mcminnville
  • Meacham
  • Medford
  • Mehama
  • Merlin
  • Merrill
  • Metolius
  • Midland
  • Mikkalo
  • Mill City
  • Millersburg
  • Milton Freewater
  • Milwaukie
  • Mitchell
  • Molalla
  • Monmouth
  • Monroe
  • Monument
  • Moro
  • Mosier
  • Mount Angel
  • Mount Hood Parkdale
  • Mount Vernon
  • Mulino
  • Murphy
  • Myrtle Creek
  • Myrtle Point
  • Nehalem
  • Neotsu
  • Neskowin
  • Netarts
  • Newberg
  • Newport
  • North Bend
  • North Plains
  • North Powder
  • Norway
  • Noti
  • Nyssa
  • O Brien
  • Oakland
  • Oakridge
  • Oceanside
  • Odell
  • Ontario
  • Ophir
  • Oregon City
  • Otis
  • Otter Rock
  • Oxbow
  • Pacific City
  • Paisley
  • Paulina
  • Pendleton
  • Philomath
  • Phoenix
  • Pilot Rock
  • Pleasant Hill
  • Plush
  • Port Orford
  • Portland
  • Post
  • Powell Butte
  • Powers
  • Prairie City
  • Prescott
  • Princeton
  • Prineville
  • Prospect
  • Rainier
  • Raleigh Hills
  • Redmond
  • Reedsport
  • Remote
  • Rhododendron
  • Richland
  • Rickreall
  • Riddle
  • Riley
  • Ritter
  • Rivergrove
  • Riverside
  • Rockaway Beach
  • Rogue River
  • Rose Lodge
  • Roseburg
  • Roseburg North
  • Rufus
  • Saginaw
  • Saint Benedict
  • Saint Helens
  • Saint Paul
  • Salem
  • Sandy
  • Scappoose
  • Scio
  • Scotts Mills
  • Scottsburg
  • Seal Rock
  • Seaside
  • Selma
  • Seneca
  • Shady Cove
  • Shaniko
  • Shedd
  • Sheridan
  • Sherwood
  • Siletz
  • Silver Lake
  • Silverton
  • Sisters
  • Sixes
  • Sodaville
  • South Beach
  • Sprague River
  • Spray
  • Springfield
  • Stanfield
  • Stayton
  • Sublimity
  • Summer Lake
  • Summerville
  • Sumpter
  • Sutherlin
  • Sweet Home
  • Swisshome
  • Talent
  • Tangent
  • Tenmile
  • Terrebonne
  • The Dalles
  • Thurston
  • Tidewater
  • Tigard
  • Tillamook
  • Tiller
  • Timber
  • Toledo
  • Tolovana Park
  • Trail
  • Troutdale
  • Tualatin
  • Turner
  • Tygh Valley
  • Ukiah
  • Umatilla
  • Umpqua
  • Union
  • Unity
  • Vale
  • Veneta
  • Vernonia
  • Vida
  • Waldport
  • Wallowa
  • Walterville
  • Walton
  • Warm Springs
  • Warren
  • Warrenton
  • Wasco
  • Waterloo
  • Wedderburn
  • Welches
  • West Linn
  • Westfall
  • Westfir
  • Westlake
  • Weston
  • Wheeler
  • White City
  • Wilbur
  • Wilderville
  • Willamina
  • Williams
  • Wilsonville
  • Winchester
  • Winston
  • Wolf Creek
  • Wood Village
  • Woodburn
  • Yachats
  • Yamhill
  • Yoncalla