Amity at a glance
- Population: a Census-estimated 1,763, placing it 131st among Oregon's 240 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 1,756 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 0.4% growth over the 2020 Census base (US Census Bureau).
- Rank among Oregon places: 131st of 240 by population (US Census Bureau, Vintage 2023).
- Size percentile: it exceeds roughly 45% of Oregon's Census places by population (US Census Bureau).
- Coordinates: 45.1162, -123.1997 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: McMinnville, OR (7 mi); Dayton, OR (9 mi); Sheridan, OR (10 mi); Lafayette, OR (10 mi); Keizer, OR (12 mi); US Census Bureau population estimates.
- Smaller places nearby: St. Paul, OR (13 mi); Yamhill, OR (16 mi); Donald, OR (19 mi), per US Census Bureau estimates.
What a personal loan costs in Amity
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Oregon lending rules that apply in Amity
The table carries the Oregon rate and licensing rules that apply to consumer loans made in Amity.
| Rule | Detail | Source |
|---|---|---|
| Payday lending status | Legal for licensed payday/title lenders; term 31-60 days; one-time 10% origination fee capped at $30; interest limited to 36%/yr; max APR 153.77%. Source says: "Interest rates are limited to 36 percent annually. The maximum APR (interest and fees) is 153.77 percent"; "A one-time 10 percent loan origination fee, up to a maximum of $30 for a new loan"; "The payday or title loan must be for at least 31 days and not longer than 60 days." | Oregon Division of Financial Regulation as of 2026-09-16 |
| Small-loan / installment lender licensing | Consumer finance license required to make consumer finance loans of $50,000 or less; license issued by the Director of the Department of Consumer and Business Services. Source says: "a consumer finance loan of $50,000 or less... unless the person first obtains a license under this chapter" (ORS 725.045). | Oregon Legislative Assembly (Oregon Revised Statutes) as of 2026-09-16 |
| State lending regulator | Oregon Division of Financial Regulation (Department of Consumer and Business Services) Source says: "Protecting Oregonians' access to fair products and services through education, regulation, and consumer assistance." | Oregon Division of Financial Regulation as of 2026-09-16 |
| Unlicensed lending consequence (state-specific rule) | Unlicensed consumer finance loans are void and uncollectible (principal, interest, fees). Source says: "the consumer finance loan is void... may not... collect, receive or retain principal, interest, a fee or a charge related to... the consumer finance loan" (ORS 725.045(1)(b)). | Oregon Legislative Assembly (Oregon Revised Statutes) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 9% per annum default legal rate where the parties have not agreed to a rate. Source says: "The rate of interest for the following transactions, if the parties have not otherwise agreed to a rate of interest, is nine percent per annum" (ORS 82.010(1)). | Oregon Legislative Assembly (Oregon Revised Statutes) as of 2026-09-16 |
How to compare offers in Amity
The steps below are worth completing first when you borrow in Amity:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Oregon using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.