Best Personal Loan Rates in Oregon (OR) - May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Oregon include: 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, Benton County Schools Credit UnionBenton County Schools Credit Union2101 NW Professional DR, Corvallis, OR, 97330A+5.0 ★Texas Ratio: 0.08% offering Loan at 5.25% APR, Point West Credit UnionPoint West Credit Union5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283A+5.0 ★Texas Ratio: 4.51% offering Bicycle and eBike Loan at 5.74% APR, and Oregonians Credit UnionOregonians Credit Union247 E Powell Blvd, Gresham, OR, 97030 7605A+5.0 ★Texas Ratio: 4.69% offering Non-Owner Occupied Equity Loan at 6.05% APR. Personal loan rates as of May 23, 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 4.99% APR from Horizon Credit Union at 209 Depot St, La Grande, OR, 97850. 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: May 23, 2026
Oregon Personal Loan Rates
Intro rate expires: 3 months
As Low As
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As Low As
Finance Up To $5,000
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Fixed 120 Months
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APR Range: 6.50%-12.25%; Margin: -0.25%-5.50%; Floor Rate: 4.99%; Max Rate: 18.00%
APR Range: 6.50%-12.25%; Margin: -0.25%-5.50%; Floor Rate: 4.99%; Max Rate: 18.00%
As Low As
As Low As
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As Low As
As Low As; Rates are based on your credit history and credit qualifications. Minimum loan amount is $250. Maximum loan repayment period is 48 months or 12 months per $1,000 borrowed. (For loans under $1,000 maximum loan repayment period is 1 month per $100 borrowed.)
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As Low As
As Low As
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Rate is based on specific product type.
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Amortized over 15 years with a balloon due in 60 months
Amortized over 15 years with a balloon due in 60 months
Amortized over 15 years with a balloon due in 60 months
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As Low As
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As Low As
As Low As
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Amortized over 15 years with a balloon due in 60 months
Amortized over 15 years with a balloon due in 60 months
Amortized over 15 years with a balloon due in 60 months
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No additional details available.
As Low As
No additional details available.
Motorcycles, Personal Water Craft (Jet-Skis, Ski-Doos), Snow Mobiles, ATVs
No additional details available.
No additional details available.
As Low As
As Low As
No additional details available.
Motorcycles, Personal Water Craft (Jet-Skis, Ski-Doos), Snow Mobiles, ATVs
No additional details available.
As Low As
No additional details available.
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Call for current Promotional Rates.
As Low As
Credit Score: 740+
As Low As
No additional details available.
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As Low As
Automatic payments are required for lowest rate.
No additional details available.
Credit Score: 739 - 700
As Low As
Automatic payments are required for lowest rate.
No additional details available.
As Low As
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As Low As
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As Low As
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fixed rate
Personal Loan Special: Tackle tax season with our Personal Loan Special! Get details.
No additional details available.
No additional details available.
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.
As Low As; (Signature loan)
No additional details available.
No additional details available.
As Low As
fixed rate
No additional details available.
As Low As; * 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.
No additional details available.
As Low As
Variable
No additional details available.
Up to 60 Months
No additional details available.
Credit Score: 699 - 660
No additional details available.
61-72 months
Credit Score: 659 - 610
No additional details available.
No additional details available.
No additional details available.
As Low As; * 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.
No additional details available.
$20 Quick Loan Application Fee and automatic savings deposit required. Borrowers may only have one Quick Loan at any time, and no more than three in a six-month rolling period. Terms and conditions apply.
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Credit Score: 609 - 560
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Credit Score: 559 or below
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Oregon Personal Loan Rates
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As Low As; Rates are based on your credit history and credit qualifications. Minimum loan amount is $250. Maximum loan repayment period is 48 months or 12 months per $1,000 borrowed. (For loans under $1,000 maximum loan repayment period is 1 month per $100 borrowed.)
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As Low As
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As Low As
No additional details available.
As Low As
No additional details available.
Call for current Promotional Rates.
As Low As
Credit Score: 740+
Credit Score: 739 - 700
As Low As
No additional details available.
As Low As
No additional details available.
As Low As
fixed rate
Personal Loan Special: Tackle tax season with our Personal Loan Special! Get details.
No additional details available.
No additional details available.
As Low As; (Signature loan)
As Low As; * 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.
No additional details available.
As Low As
Variable
Up to 60 Months
No additional details available.
Credit Score: 699 - 660
No additional details available.
61-72 months
Credit Score: 659 - 610
No additional details available.
As Low As; * 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
No additional details available.
No additional details available.
Credit Score: 559 or below
No additional details available.
Oregon Debt Consolidation Loan Rates
As Low As
No additional details available.
Automatic payments are required for lowest rate.
Automatic payments are required for lowest rate.
Oregon Signature Loan Rates
As Low As
No additional details available.
No additional details available.
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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 12.415% APR.
Oregon signature loan rates fell 0.094 points over the past 7 days to 12.643% 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?
- Horizon Credit Union: 4.99% (Momentum Introductory Rate Loan)
- CASTPARTS EMPLOYEES: 5.00% (Debt Consolidation Loan)
- Benton County Schools Credit Union: 5.25% (Loan)
- Point West Credit Union: 5.74% (Bicycle and eBike Loan)
- Oregonians Credit Union: 6.05% (Non-Owner Occupied Equity Loan)
