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
Consolidation loan rates; APR*
No additional details available.
Consolidation loan rates; APR*
Consolidation loan rates; APR*
Lowest rates offered; rate may vary depending on credit history
Additional APR listed for this product: 8.840%.
No additional details available.
No additional details available.
Lowest rates offered; rate may vary depending on credit history
Lowest rates offered; rate may vary depending on credit history
As Low As; APR* as low as
Financing purchases of hot tubs, UTVs, tractors and other untitled items
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
As Low As
Maximum $25,000
Published APR range: 9.9% - 19.99%. Daily Periodic Rate: .02712 - .05452; Default Rate: 19.9%
As Low As; Rates effective August 25, 2026
APR (Min) 9.99%; APR (Max) 18.00%
As Low As; Today's Rates homepage featured rate
Credit Score: 740+; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount
APR*
APR (Fixed); Automatic payments required for lowest rate
Published rate range: 10.25% - 18.00%. Fixed
Published APR range: 10.49 - 18%. Rates are based on credit history, credit qualifications, and loan term
Credit Score: 739 - 700; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount
As Low As; See Rate Sheet for details
APR (Fixed); Automatic payments required for lowest rate
Published APR range: 10.75% - 22.25%. Effective Date: October 1, 2026; Periodic Rate Range: 0.036986% to 0.060959%
APR range: 10.89% - 16.49%
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.
Maximum Financed: $100,000
Published APR range: 10.99% - 17.95%.
Published APR range: 10.99% to 17.99%.
As Low As
Published APR range: 10.99 to 18.00%.
APR*
As Low As; Unlock your goals-low rates, fast approval, zero hassle!
Maximum Financed: $100,000
Published APR range: 11.74% - 22.99%.
Member Perks pricing: 0.25% discount on the rates listed above; Rates effective as of October 13, 2026
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
Standard APR*
Maximum Financed: $100,000
As Low As; Personal unsecured loan
APR (Min) 11.99%; APR (Max) 12.99%
As Low As; APR is variable, based on the Prime Rate plus a margin
APR*
As Low As; Rates effective as of October 13, 2026
No additional details available.
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
Maximum Financed: $100,000
Published APR range: 12.49% - 18.00%. APR based on repayment period and credit qualifications
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.
As Low As; *
As Low As; APR* as low as
Published APR range: 12.50% - 22.25%. Effective Date: October 1, 2026; Periodic Rate Range: 0.039726% to 0.060959%
Member Perks pricing: 0.25% discount on the rates listed above
APR*
As Low As; Personal Loans and Lines
No additional details available.
Member Perks APR
As Low As; Variable APR; Effective October 1, 2026
As Low As
APR*
Maximum Financed: $100,000
Credit Score: 699 - 660; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount
Published APR range: 14.00% - 18.00%.
As Low As; starting at 14.00% APR
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
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
As Low As; Personal Loans and Lines
Credit Score: 659 - 610; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount
Periodic Rate Range: 0.043836%
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.
Credit Score: 609 - 560; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount
No additional details available.
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
Additional APR listed for this product: 8.840%.
No additional details available.
No additional details available.
As Low As; APR* as low as
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
As Low As; Today's Rates homepage featured rate
Credit Score: 740+; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount
APR*
Credit Score: 739 - 700; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount
As Low As; See Rate Sheet for details
Published APR range: 10.75% - 22.25%. Effective Date: October 1, 2026; Periodic Rate Range: 0.036986% to 0.060959%
APR range: 10.89% - 16.49%
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.
Maximum Financed: $100,000
Published APR range: 10.99% to 17.99%.
As Low As
Published APR range: 10.99 to 18.00%.
APR*
As Low As; Unlock your goals-low rates, fast approval, zero hassle!
Maximum Financed: $100,000
Published APR range: 11.74% - 22.99%.
Standard APR*
Maximum Financed: $100,000
APR*
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
Maximum Financed: $100,000
Published APR range: 12.49% - 18.00%. APR based on repayment period and credit qualifications
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.
As Low As; *
As Low As; APR* as low as
Published APR range: 12.50% - 22.25%. Effective Date: October 1, 2026; Periodic Rate Range: 0.039726% to 0.060959%
Member Perks pricing: 0.25% discount on the rates listed above
APR*
As Low As; Personal Loans and Lines
No additional details available.
As Low As; Variable APR; Effective October 1, 2026
APR*
Maximum Financed: $100,000
Credit Score: 699 - 660; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount
Published APR range: 14.00% - 18.00%.
Credit Score: 659 - 610; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount
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.
Credit Score: 609 - 560; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount
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
No additional details available.
APR (Fixed); Automatic payments required for lowest rate
APR (Fixed); Automatic payments required for lowest rate
Lowest rates offered; rate may vary depending on credit history
Lowest rates offered; rate may vary depending on credit history
Lowest rates offered; rate may vary depending on credit history
As Low As
Maximum $25,000
Published APR range: 9.9% - 19.99%. Daily Periodic Rate: .02712 - .05452; Default Rate: 19.9%
As Low As; Rates effective August 25, 2026
APR (Min) 9.99%; APR (Max) 18.00%
Published rate range: 10.25% - 18.00%. Fixed
Published APR range: 10.49 - 18%. Rates are based on credit history, credit qualifications, and loan term
APR range: 10.89% - 16.49%
Published APR range: 10.99% - 17.95%.
APR (Min) 11.99%; APR (Max) 12.99%
No additional details available.
As Low As; starting at 14.00% APR
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
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
No additional details available.
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.
Oregon personal loan rates fell 0.110 points over the past 7 days to 11.501% APR.
Oregon signature loan rates rose 0.199 points over the past 7 days to 10.686% APR.
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.
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.
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.
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.
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.
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.
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.
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.
Local demographics and economic context for borrowers. Source: U.S. Census Bureau
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.
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.
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.
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.
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.
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.
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.
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.
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.
A second applicant with stronger credit can lower your rate and raise the amount you qualify for. They are equally responsible for every payment.
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.
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.