5.99 - 21.49 %
APR
2 - 6 years
Loan Term
Check rates
On partner's site

Best Personal Loans in Oregon

We have found 115 personal loans in Oregon. Compare and choose the best loan for your purpose.

By Myfin Team
Updated March 28, 2024
Showing 115 personal loans
APR
5.99 - 21.49 %
with Autopay
Term
2 - 6years
Loan amount
$5,000 - $100,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Autopay discount:
    0.5%
  • Origination fee:
    No origination fee.
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Low rates
    • No fees
    • Fast approval and funding
    • Rate discount for autopay
    • Digital experience
  • Cons:
    • Minimum loan amount is a bit high
    • Requires a long credit history

LightStream is the online lending division of Truist (formerly SunTrust Bank).

The key feature of LightStream's online personal loans is that they can be up to $100,000 and used for nearly any reason.

LightStream charges no fees on its personal loans. Plus, it offers to send you $100 if you’re unsatisfied with the loan process.

See LightStream full product review
Check rates
On partner's site
APR
6.99 - 24.99 %
with Autopay
Term
3 - 6years
Loan amount
$3,500 - $40,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Autopay discount:
    0.25%
  • Origination fee:
    No origination fee.
  • Funds available in:
    5 business days.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • No fees
    • Autopay discount
  • Cons:
    • Long time to receive funds
    • No Cosigner Option

Marcus offers unsecured personal loans up to $40,000 with rates from 6.99% to 24.99%.

Marcus does not charge origination, late payment and check processing fees.

See Marcus by Goldman Sachs full product review
Check rates
On partner's site
APR
5.6 - 35.99 %
Term
3 - 5years
Loan amount
$1,000 - $50,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    10%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • No prepayment penalty
    • Next day funding
  • Cons:
    • Origination Fee
    • Extra Fees

Upstart loans range from $1,000 to $50,000. Not all applicants will qualify for the full amount.

The minimum loan amount: $7,000 (MA), $6,000 (Ohio), $5,100 (NM), $3,100 (GA), $2,100 (HI).

Borrowers need credit scores of 580 or higher.

Upstart offers fixed-rate APRs that vary from 5.60% to 35.99%. Loan terms are available for 3 or 5 years.

The origination fee ranges from 0% to 8%.

See Upstart full product review
Check rates
On partner's site
APR
8.99 - 29.99 %
Term
2 - 5years
Loan amount
$5,000 - $40,000
  • Minimum credit:
    scorer
    Good (670-739)
  • Origination fee:
    5%
  • Funds available in:
    3-6 business days.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • No prepayment or late fees
    • Free monthly FICO score updates
  • Cons:
    • Co-signers are not accepted
    • Origination Fee
    • Slow funding
    • Not available in all states

The Payoff Loan™ is an unsecured personal loan designed to consolidate your credit cards into one monthly payment. Payoff requires a minimum FICO credit score of 640 or higher. It provides loans of up to $40,000.

The Payoff platform provides loans with rates between 8.99% and 29.99% APR. Minimum loan amount and APR may vary in certain states.

See Payoff® full product review
Check rates
On partner's site
APR
8.3 - 36 %
Term
3 - 5years
Loan amount
$1,000 - $40,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    3 - 6%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Quick, easy online application
    • Fast funding
  • Cons:
    • Origination fee

LendingClub offers loans of $1,000 to $40,000.

The APR range is from 8.30% to 36.00%. Loan terms are available for 3 or 5 years.

LendingClub charges an origination fee of 3% to 6% on personal loans.

See LendingClub full product review
Check rates
On partner's site
APR
7.99 - 23.43 %
with Autopay
Term
2 - 7years
Loan amount
$5,000 - $100,000
  • Minimum credit:
    scorer
    Good (670-739)
  • Autopay discount:
    0.25%
  • Origination fee:
    No origination fee.
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast approval and funding
    • Rate discount for autopay
    • No Fees
  • Cons:
    • Not available to residents of Mississippi
    • No secured loan option

SoFi loans range between $5,000 to $100,000.

The APR range is from 7.99% to 23.43% (with discounts). Loan terms are available for 2 or 7 years.

The loan is not available in Mississippi.

SoFi personal loans have no fees: no origination fees, no late fees, no prepayment penalties.

See SoFi full product review
Check rates
On partner's site
APR
9.95 - 35.95 %
Term
1 - 5years
Loan amount
$2,000 - $35,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    4.75%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast approval and funding
    • Low minimum credit score requirements
    • No prepayment fees
  • Cons:
    • Fees
    • No Autopay discount
    • No Cosigner Option

Avant offers unsecured loans of $2,000 to $35,000. Rates range from 9.95% to 35.95%.

Avant charges an origination fee up to 4.75%.

Avant personal loans are not available in Colorado, Iowa, West Virginia, New York, Vermont, Hawaii, and Nevada.

See Avant full product review
Check rates
On partner's site
APR
7.95 - 35.99 %
Term
3 - 5years
Loan amount
$2,000 - $40,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Origination fee:
    2.41 - 5%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast approval and funding
    • Simple application process
  • Cons:
    • Origination fee
    • Extra Fees
    • No Autopay Discount
    • Not available in all states

Prosper offers fixed-rate APRs that vary from 7.95% to 35.99%. Loan terms are available for 3 or 5 years.

The origination fee ranges from 2.41% to 5%. Prosper charges $15 for failed payments or returned checks. Payments that are 15 or more days late are assessed a late fee.

If you don't qualify for a personal loan with Prosper, consider applying with a co-applicant.

See Prosper full product review
Check rates
On partner's site
APR
7.99 - 35.99 %
Term
3 - 5years
Loan amount
$2,000 - $50,000
  • Minimum credit:
    scorer
    Good (670-739)
  • Origination fee:
    0.99 - 8.99%
  • Funds available in:
    1-3 business days.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast approval
    • Low fixed rates
    • Fast funding
  • Cons:
    • Fee charged

Best Egg is a national online lending platform offering personal loans starting at $2,000 for a variety of purposes.

Best Egg’s personal loans are ideal for consolidating debt or funding major expenses. Borrowers cannot use loans toward securities or postsecondary educational expenses.

There are no prepayment penalties, so you can pay off the loan ahead of schedule without extra fees.

Best Egg origination fees vary from 0.99% to 8.99%.

The quote you receive is based on multiple factors, including: Credit score and history, Income, Debt obligations, Loan amount, Repayment term (36 vs. 60 months).

See Best Egg full product review
Check rates
On partner's site
APR
18 - 35.99 %
Term
2 - 5years
Loan amount
$1,500 - $20,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    $25 - $500
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Secured and unsecured options
    • Poor-credit applicants considered
  • Cons:
    • Origination fee
    • Extra Fees
    • High Rates

OneMain Financial offers loans that range from $1,500 to $20,000. The annual percentage rate ranges from 18.00% to 35.99%.

You may be approved for an unsecured or a secured loan. A secured loan requires you to provide collateral, such as a motor vehicle, while an unsecured loan doesn’t require any collateral at all.

OneMain charges late payment fees. These fees may range from a flat amount of $5 to $30 per late payment, or they may be a percentage of your entire monthly payment amount or a percentage of the delinquent portion of your monthly payment amount, ranging from 1.5% to 15%.

The lender charges an origination fee. Flat fees vary by state and range from $25 to $500. Percentage fees range from 1% to 10% of the loan.

See OneMain Financial full product review
Check rates
On partner's site
For example, if you apply for a 2-year $5,000 personal loan with an interest rate of 15% and an origination fee of 5% you would receive $4,750 and make 24 payments of $242.43. The total amount paid would be $5,818.
Search for best loan
Showing 115 personal loans
Amount
$
Credit Score
City, state or Zip
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Loan Purpose
  • Personal Loan
  • Home Improvement Loan
  • Medical (Dental) Loan
  • Debt Consolidation Loan
  • Major Purchase
  • Refinance Credit Card
  • Moving Expenses (Relocation)
  • Travel
  • Other

TOP 5 banks offering personal loans in Oregon

Showing 5 banks
Sort by: Branches
Branches 160 bank branches
Total Assets (US$M)582,252,757
158th & Walker Branch
15875 Sw Walker Rd, Beaverton, OR, 97006-4946
Thursday: 9:00 AM - 5:00 PM
Beaverton Branch
4505 Sw Hall Blvd, Beaverton, OR, 97005-0557
Thursday: 9:00 AM - 5:00 PM
Greenway Branch
12450 Sw Pioneer Ln, Beaverton, OR, 97008-8377
Thursday: 9:00 AM - 5:00 PM
Show all departments
Branches 101 bank branches
Total Assets (US$M)3,380,824,000
Southwest Teal Blvd
14700 Sw Teal Blvd, Beaverton, OR, 97007
Thursday: 9:00 AM - 5:00 PM
Beaverton Town Square Fred Meyer
11425 Sw Beaverton-Hillsdale Hwy, Beaverton, OR, 97005
Thursday: 10:00 AM - 6:00 PM
Beaverton
3475 Sw Cedar Hills Blvd, Beaverton, OR, 97005
Thursday: 9:00 AM - 5:00 PM
Show all departments
Branches 83 bank branches
Total Assets (US$M)30,131,538
Tanasbourne Branch
2870 Nw Town Center Drive, Beaverton, OR, 97006
Clackamas Branch
12550 Se 93Rd Avenue, Suite 100, Clackamas, OR, 97015
Sunnyside Branch
14638 Se Sunnyside Road, Clackamas, OR, 97015
Show all departments
Branches 79 bank branches
Total Assets (US$M)1,712,535,000
Beaverton Town Square
11601 Sw Beaverton Hillsdale Hwy, Beaverton, OR, 97005
Thursday: 9:00 AM - 5:00 PM
Murrayhill Marketplace
14725 Sw Teal Blvd, Beaverton, OR, 97007
Thursday: 9:00 AM - 5:00 PM
185th & Sunset Blvd
2645 Nw Town Center Dr, Beaverton, OR, 97006
Thursday: 9:00 AM - 5:00 PM
Show all departments
Branches 60 bank branches
Total Assets (US$M)184,673,175
Beaverton Branch
4735 Sw Hall Blvd, Beaverton, OR, 97005
Canby Branch
200 Northwest Second Avenue, Canby, OR, 97013
Clackamas Branch
12550 Se 82Nd Avenue, Clackamas, OR, 97015
Show all departments

How to choose the best personal loan in Oregon?

When applying for a personal loan in Oregon, you should consider the following factors to ensure that the loan is suitable for your financial situation and meets your goals:

  • Interest Rates. Compare the interest rates offered by different lenders to find the most competitive rate available. A lower interest rate can result in significant savings over the life of the loan.
  • Loan Amount. Determine the specific amount you need to borrow based on your financial requirements. Look for lenders that offer loan amounts that align with your specific needs.
  • Repayment Terms. Evaluate the repayment terms, including the length of the loan and the frequency of payments. Ensure that the repayment terms are manageable within your budget and fit your financial goals.
  • Fees. Take into account any fees and charges associated with the personal loan, such as origination fees or prepayment penalties. Comparing these fees among different lenders can help minimize your borrowing costs.
  • Reputation. Research the reputation of the lenders you are considering. Look for lenders with positive customer reviews and a track record of reliable service. A reputable lender can provide a smooth borrowing experience.

By carefully considering these factors, you can make an informed decision and select the personal loan in Oregon that aligns with your financial goals and helps improve your overall financial health.

Comparing and selecting the best personal loan in Oregon

Comparing all available loan offers in the Oregon will help you choose a loan that offers favorable terms for your specific financial situation.

LenderAPRLoan AmountLoan termOrigination FeeScore RequiredApply
LightStream
6.49 - 21.99%$5,000 - $100,0002 - 6 yearsNo origination fee.From Fair (580-669) to Fair (580-669)Check rates
On partner's site
Marcus by Goldman Sachs
7.24 - 25.24%$3,500 - $40,0003 - 6 yearsNo origination fee.From Fair (580-669) to Excellent (740-799)Check rates
On partner's site
Upstart
5.6 - 35.99%$1,000 - $50,0003 - 5 years10%From Poor (300-579) to Excellent (740-799)Check rates
On partner's site
Payoff®
8.99 - 29.99%$5,000 - $40,0002 - 5 years5%From Good (670-739) to Excellent (740-799)Check rates
On partner's site
LendingClub
8.3 - 36%$1,000 - $40,0003 - 5 years3 - 6%From Poor (300-579) to Excellent (740-799)Check rates
On partner's site
SoFi
8.24 - 23.68%$5,000 - $100,0002 - 7 yearsNo origination fee.From Good (670-739) to Excellent (740-799)Check rates
On partner's site
Avant
9.95 - 35.95%$2,000 - $35,0001 - 5 years4.75%From Poor (300-579) to Excellent (740-799)Check rates
On partner's site
Prosper
7.95 - 35.99%$2,000 - $40,0003 - 5 years2.41 - 5%From Fair (580-669) to Excellent (740-799)Check rates
On partner's site
Best Egg
7.99 - 35.99%$2,000 - $50,0003 - 5 years0.99 - 8.99%From Good (670-739) to Good (670-739)Check rates
On partner's site
OneMain Financial
18 - 35.99%$1,500 - $20,0002 - 5 years$25 - $500From Poor (300-579) to Excellent (740-799)Check rates
On partner's site

5 simple tips for increasing personal loan approval odds in Oregon

  1. Take steps to improve your credit. Having a good credit score is crucial for increasing your chances of getting approved for a personal loan. Make sure to pay your bills on time, maintain a low credit utilization ratio, and address any errors on your credit report to improve your credit score.
  2. Increase your income. Lenders also consider your income when evaluating your loan application. If possible, try to increase your income, as it will improve your chances of getting approved for a larger loan amount.
  3. Avoid debt. Lenders take your debt-to-income ratio into account when assessing your loan application. If you have a significant amount of debt, it may reduce your chances of getting approved for a personal loan. Focus on paying off existing debts and avoid taking on new ones.
  4. Be realistic about the amount you need. Only request the amount of money that you can comfortably afford to repay. Lenders are more likely to approve your loan if you demonstrate the ability to make the monthly payments without financial strain.
  5. Consider getting a cosigner. If you have poor credit, you may be able to get approved for a personal loan if you have a cosigner. A cosigner is someone who agrees to be responsible for the loan if you default.

Conclusion

When it comes to financing large purchases or debt consolidation, a personal loan can be a favorable solution. However, it is important to carefully analyze your loan options to make sure they fit your needs.

FAQ

What is the highest interest rate on a personal loan in Oregon?

The highest interest rate on personal loan in Oregon is 36%.

What is the biggest loan amount in Oregon?

The biggest personal loan amount in Oregon is $500,000.

What credit score do I need to have to get a personal loan in Oregon?

To get approved for a personal loan in Oregon you need to have at least a Poor (300-579) credit score.
Myfin TeamMyfin Team

Author, editor

content@myfin.us

Loans in other cities in Oregon