Depoe Bay, Oregon Best Personal Loan Rates - September 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 Depoe Bay, Oregon include: Benton County Schools Credit UnionBenton County Schools Credit UnionA+5.0 ★Texas Ratio: 3.02% offering Consolidation loan at 4.50% APR, CASTPARTS EMPLOYEESCASTPARTS EMPLOYEESA+5.0 ★Texas Ratio: 3.13% offering Debt Consolidation Loan Special at 5.00% APR, First Federal S&L of McMinnvilleFirst Federal S&L of McMinnvilleA+5.0 ★Texas Ratio: 0.22% offering Personal Loan at 6.84% APR, Unitus Community Credit UnionUnitus Community Credit UnionA+5.0 ★Texas Ratio: 2.83% offering Personal Loan at 6.99% APR, and EWEB EMPLOYEESEWEB EMPLOYEESA+5.0 ★Texas Ratio: 0.00% offering Personal Property Loans at 9.00% APR. Personal loan rates as of September 12, 2026 according to verified data from MonitorBankRates.
Depoe Bay borrowers have access to 38 lenders serving the Oregon area, with personal loan rates as low as 4.50% APR from Benton County Schools Credit Union. Use the tabs below to compare all available personal loan types. 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 Depoe Bay, Oregon.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Depoe Bay, 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: September 12, 2026
Depoe Bay Personal Loan Rates
No additional details available.
Rate/APR*
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Credit Score: 740+; Available on new purchases only. Total purchase price, including accessories, cannot exceed 120% of the retail price of the bicycle. 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.)
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Financing purchases of hot tubs, UTVs, tractors and other untitled items
APR (Variable)*; Rate is 0.25% APR higher for non-auto pay loan payments and 0.50% APR higher for members not enrolled in direct deposit. For lowest rate, payments must be made via automatic payment and member must enroll in direct deposit.; APR range: 9.25% - 24.00%
As low as 9.49% APR for 12 months
Maximum $25,000
as low as
No additional details available.
Term: Up to 60 months. Call for current Promotional Rates.; APR range: 9.99% - 17.99%
Credit Score: 740+; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount. (For loans under $1,000 maximum loan repayment period is 1 month per $100 borrowed.)
APR*: 9.00%
As low as
Automatic payments are required for lowest rate.
Fixed; APR range: 10.25% - 18.00%
No additional details available.
Credit Score: 739 - 700; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount. (For loans under $1,000 maximum loan repayment period is 1 month per $100 borrowed.)
As Low As
Automatic payments are required for lowest rate.
No additional details available.
APR range: 10.89% - 16.49%
As Low As; Estimated Monthly Payment Example: $172.32 a month based on a 84-month, $10,000.00 loan at 10.99% APR.
Maximum Financed: $100,000
No additional details available.
APR range: 10.99% to 17.99%
As Low As
APR range: 10.99 to 18.00%
APR*: 10.00%
Unlock your goals-low rates, fast approval, zero hassle!
FOR VARIABLE RATE LOANS EXCEPT SHARE SECURED: The Annual Percentage Rate (APR) for existing balances and new balances will be determined by adding the amount shown above in the "% Above Index" column to the Index. The Index is the U.S. Prime Rate as published in the Wall Street Journal. The rates are subject to change monthly to reflect any change in the index. Any increase in the APR will take the form of more payments of the same amount. Personal line of credit (PLOC) APRs range from 11.00% to 18.00% APR. Rate is variable. Rates current as of September 11, 2026 and subject to change. No cash advance or balance transfer fees.
Personal loan minimum amount $100, not to exceed $25,000.; APR range: 11.00% - 16.00% fixed rate
Maximum Financed: $100,000
No additional details available.
Member Perks discount of 0.25% applied to rates.
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.
No additional details available.
Maximum Financed: $100,000
1
No additional details available.
As Low As
APR*: 11.00%
Member Perks discount of 0.25% applied to rates.
No additional details available.
APR range: 12.25% - 18.00%
Maximum Financed: $100,000
Estimated minimum monthly payment based on available term and $20,000 loan amount: $449.85 at 12.49% APR*
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 rate is based on the Prime rate as published in the Wall Street Journal on the first day of the month and subject to change on the first day of the following month. 18% ceiling.; APR range: 12.75% - 18.00% Variable
No additional details available.
Member Perks APR: 12.65%
APR* (Max)
APR*: 12.00%
Member Perks APR: 12.75%. Member Perks discount of 0.25% applied.
As Low As
APR*: 12.50%
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. (For loans under $1,000 maximum loan repayment period is 1 month per $100 borrowed.)
No additional details available.
As Low As
No additional details available.
Member Perks discount of 0.25% not applicable.
Credit Score: 659 - 610; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount. (For loans under $1,000 maximum loan repayment period is 1 month per $100 borrowed.)
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.
APR* (Max)
Credit Score: 609 - 560; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount. (For loans under $1,000 maximum loan repayment period is 1 month per $100 borrowed.)
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. (For loans under $1,000 maximum loan repayment period is 1 month per $100 borrowed.)
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.
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.
Depoe Bay Personal Loan Rates
No additional details available.
No additional details available.
Credit Score: 740+; Available on new purchases only. Total purchase price, including accessories, cannot exceed 120% of the retail price of the bicycle. 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.)
No additional details available.
No additional details available.
No additional details available.
No additional details available.
APR (Variable)*; Rate is 0.25% APR higher for non-auto pay loan payments and 0.50% APR higher for members not enrolled in direct deposit. For lowest rate, payments must be made via automatic payment and member must enroll in direct deposit.; APR range: 9.25% - 24.00%
Term: Up to 60 months. Call for current Promotional Rates.; APR range: 9.99% - 17.99%
Credit Score: 740+; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount. (For loans under $1,000 maximum loan repayment period is 1 month per $100 borrowed.)
APR*: 9.00%
Credit Score: 739 - 700; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount. (For loans under $1,000 maximum loan repayment period is 1 month per $100 borrowed.)
As Low As
No additional details available.
APR range: 10.89% - 16.49%
As Low As; Estimated Monthly Payment Example: $172.32 a month based on a 84-month, $10,000.00 loan at 10.99% APR.
Maximum Financed: $100,000
APR range: 10.99% to 17.99%
As Low As
APR range: 10.99 to 18.00%
APR*: 10.00%
Unlock your goals-low rates, fast approval, zero hassle!
Personal loan minimum amount $100, not to exceed $25,000.; APR range: 11.00% - 16.00% fixed rate
Maximum Financed: $100,000
No additional details available.
No additional details available.
Maximum Financed: $100,000
APR*: 11.00%
APR range: 12.25% - 18.00%
Maximum Financed: $100,000
Estimated minimum monthly payment based on available term and $20,000 loan amount: $449.85 at 12.49% APR*
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.
Variable rate is based on the Prime rate as published in the Wall Street Journal on the first day of the month and subject to change on the first day of the following month. 18% ceiling.; APR range: 12.75% - 18.00% Variable
No additional details available.
APR*: 12.00%
Member Perks APR: 12.75%. Member Perks discount of 0.25% applied.
As Low As
APR*: 12.50%
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. (For loans under $1,000 maximum loan repayment period is 1 month per $100 borrowed.)
No additional details available.
No additional details available.
Credit Score: 659 - 610; Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount. (For loans under $1,000 maximum loan repayment period is 1 month per $100 borrowed.)
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. (For loans under $1,000 maximum loan repayment period is 1 month per $100 borrowed.)
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. (For loans under $1,000 maximum loan repayment period is 1 month per $100 borrowed.)
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.
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.
Depoe Bay Debt Consolidation Loan Rates
Rate/APR*
Automatic payments are required for lowest rate.
Automatic payments are required for lowest rate.
Depoe Bay Signature Loan Rates
No additional details available.
As low as 9.49% APR for 12 months
Maximum $25,000
as low as
No additional details available.
Fixed; APR range: 10.25% - 18.00%
No additional details available.
APR range: 10.89% - 16.49%
No additional details available.
No additional details available.
No additional details available.
APR* (Max)
As Low As
APR* (Max)
No additional details available.
Depoe Bay, OR Personal Loan Rate Trends
Compare local Depoe Bay, OR 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 0.010 points over the past 7 days to 12.837% APR.
Oregon signature loan rates rose 1.474 points over the past 7 days to 12.178% APR.
Depoe Bay, OR 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.
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.
What Would Your Monthly Payment Be?
Estimated monthly payments at the current OR average personal loan APR of 12.84%, across the terms lenders serving Depoe Bay, 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 | $237.33/mo | $168.08/mo | $133.73/mo | $113.35/mo |
| $10,000 | $474.65/mo | $336.15/mo | $267.46/mo | $226.69/mo |
| $15,000 | $711.98/mo | $504.23/mo | $401.20/mo | $340.04/mo |
| $25,000 | $1,186.63/mo | $840.38/mo | $668.66/mo | $566.74/mo |
| $35,000 | $1,661.28/mo | $1,176.53/mo | $936.12/mo | $793.43/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.
Consolidating Credit Card Debt in Depoe Bay, 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) | 12.84% | $401.20 | $4,257 | — |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $1,893 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $3,427 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,019 |
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 Depoe Bay, Oregon
Prequalify With a Soft Credit Check
Most lenders serving Depoe Bay, 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.
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.
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.
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.
- Buying a vehicle? A secured Depoe Bay, Oregon auto loan will almost always beat an unsecured personal loan
- Home improvements and you have equity? Compare home equity rates, though your home becomes collateral
- Not urgent? Building the money in a Depoe Bay, Oregon high-yield savings account costs nothing and earns interest instead of paying it
Depoe Bay, Oregon Financial Snapshot
Local demographics and economic context for borrowers. Source: U.S. Census Bureau
A $401 monthly loan payment is roughly 9.0% of the median individual income in Depoe Bay, 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 Depoe Bay, 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 1–3 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 3–5% | ● 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.
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 Depoe Bay, 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 Depoe Bay, 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 Depoe Bay, 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 Depoe Bay, Oregon?
What is an origination fee on a personal loan?
Does checking personal loan rates hurt my credit score?
Can I pay off a personal loan early?
What are the best personal loan rates in Depoe Bay, Oregon?
- Benton County Schools Credit Union: 4.50% (Consolidation loan)
- CASTPARTS EMPLOYEES: 5.00% (Debt Consolidation Loan Special)
- First Federal S&L of McMinnville: 6.84% (Personal Loan)
- Unitus Community Credit Union: 6.99% (Personal Loan)
- EWEB EMPLOYEES: 9.00% (Personal Property Loans)
Depoe Bay, Oregon Rates & Resources
Personal Loan Calculators
