Best Personal Loan Rates in Oregon - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Current personal loan options available to borrowers in Oregon include: Rogue Credit UnionRogue Credit Union1370 Center Dr, Medford, OR, 97501 7941A+5.0 ★Texas Ratio: 4.58% offering 36 Month Loan at 4.49% APR, Oregonians Credit UnionOregonians Credit Union247 E Powell Blvd, Gresham, OR, 97030 7605A+5.0 ★Texas Ratio: 4.69% offering 2022 & Newer Loan at 4.70% APR, Horizon Credit UnionHorizon Credit Union209 Depot St, La Grande, OR, 97850A+5.0 ★Texas Ratio: 1.46% offering Momentum Introductory Rate Loan at 4.99% APR, CASTPARTS EMPLOYEESCASTPARTS EMPLOYEES8120 SE Luther Rd, Portland, OR, 97206 9238A+5.0 ★Texas Ratio: 3.38% offering Debt Consolidation Loan at 5.00% APR, and IQ Credit UnionIQ Credit Union4239 N Williams Ave, Portland, OR, 97217A+5.0 ★Texas Ratio: 4.02% offering 2022 & Newer Loan at 5.44% APR. Personal loan rates as of July 7, 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 4.49% APR from Rogue Credit Union at 1370 Center Dr, Medford, OR, 97501 7941. Rates are continually updated — 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: July 7, 2026
Oregon Personal Loan Rates
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APR (High): 18.24%; 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 a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
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APR (High): 18.49%; 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 a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
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APR (High): 19.24%; 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 a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
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APR (High): 19.49%; 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 a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
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Motorcycles, Personal Water Craft (Jet-Skis, Ski-Doos), Snow Mobiles, ATVs
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Financing purchases of hot tubs, UTVs, tractors and other untitled items
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Variable APR*; Rate changes the 1st day of the month after the Prime Rate index changes. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. Longest term available for loans greater than $15,000. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment and member must enroll in direct deposit. Rate is 0.25% APR higher for non-auto pay loan payments and 0.50% APR higher for members not enrolled in direct deposit.
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Motorcycles, Personal Water Craft (Jet-Skis, Ski-Doos), Snow Mobiles, ATVs
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Maximum $25,000
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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. OAC. APR = Annual Percentage Rate. Loan rates are available on approved credit. Loan rates are subject to change without notice. Rates displayed are the lowest available to qualified borrowers. Your rate may be higher and will be determined by loan type, applicable fees, the terms you request, the amount you finance, and your credit history. Secured and Unsecured Loans are available. Qualified borrowers can receive financing for personal loan needs including Dental, Vision, Cosmetics Procedures, Computers, Lawn Tractors, Older Autos, Snowmobiles, ATVs, Boats and RVs.
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After that, your APR will vary with the market based on the prime rate. Your rate is based on your credit qualification and the VISA Credit Card that you select.
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Regular APR: 19.99%; 0.25% APR reduction for qualifying for the Premier Member Merits category; 0.25% APR reduction by maintaining an automatic loan payment each month
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Regular APR: 20.24%; 0.25% APR reduction for qualifying for the Premier Member Merits category; 0.25% APR reduction by maintaining an automatic loan payment each month
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Regular APR: 27.00%; 0.25% APR reduction for qualifying for the Premier Member Merits category; 0.25% APR reduction by maintaining an automatic loan payment each month
Oregon Personal Loan Rates
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Variable APR*; Rate changes the 1st day of the month after the Prime Rate index changes. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. Longest term available for loans greater than $15,000. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment and member must enroll in direct deposit. Rate is 0.25% APR higher for non-auto pay loan payments and 0.50% APR higher for members not enrolled in direct deposit.
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Regular APR: 19.99%; 0.25% APR reduction for qualifying for the Premier Member Merits category; 0.25% APR reduction by maintaining an automatic loan payment each month
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Regular APR: 20.24%; 0.25% APR reduction for qualifying for the Premier Member Merits category; 0.25% APR reduction by maintaining an automatic loan payment each month
Oregon Debt Consolidation Loan Rates
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Oregon Signature Loan Rates
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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.
Oregon personal loan rates currently average 10.955% APR.
Oregon signature loan rates currently average 12.624% APR.
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.
Frequently Asked Questions
What credit score do I need for a personal loan in Oregon?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Oregon?
Are credit unions or banks better for personal loans in Oregon?
What are the best personal loan rates in Oregon?
- Rogue Credit Union: 4.49% (36 Month Loan)
- Oregonians Credit Union: 4.70% (2022 & Newer Loan)
- Horizon Credit Union: 4.99% (Momentum Introductory Rate Loan)
- CASTPARTS EMPLOYEES: 5.00% (Debt Consolidation Loan)
- IQ Credit Union: 5.44% (2022 & Newer Loan)
