Ashland at a glance
- Population: the Census estimates 21,061 residents, ranking 29th of 240 places in Oregon (Vintage 2023).
- 2020 Census base: 21,380 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: down about 1.5% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Oregon places: 29th-largest of 240 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it exceeds roughly 88% of Oregon's Census places by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 42.1922, -122.6983.
- Nearest larger cities (within 120 miles): Medford, OR (13 mi); Grants Pass, OR (36 mi); Klamath Falls, OR (47 mi); Roseburg, OR (79 mi); Redding, CA (113 mi) (US Census Bureau populations).
- Nearest smaller communities: Talent, OR (5 mi); Phoenix, OR (8 mi); Jacksonville, OR (16 mi), each a US Census place.
What a personal loan costs in Ashland
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Oregon lending rules that apply in Ashland
The table lists the Oregon rules that apply to a loan made in Ashland, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Ashland
The steps below are worth completing first when you borrow in Ashland:
- 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.