Garibaldi at a glance
- Population: about 823, 173rd by size in Oregon of 240 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 825 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: a decline of roughly 0.2% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Oregon places: 173rd largest of 240 (US Census Bureau).
- Size percentile: it is larger than about 28% of the places in Oregon (US Census Bureau).
- Coordinates: it sits at 45.5608, -123.9113 in the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Bay City, OR (3 mi); Rockaway Beach, OR (4 mi); Tillamook, OR (8 mi); Cannon Beach, OR (23 mi); Seaside, OR (30 mi) (US Census Bureau).
- Nearest smaller towns: Wheeler, OR (9 mi); Manzanita, OR (11 mi); Nehalem, OR (11 mi) (US Census Bureau).
What a personal loan costs in Garibaldi
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
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.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Oregon lending rules that apply in Garibaldi
Read the table as the compliance picture for a lender serving Garibaldi: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Garibaldi
The steps below are worth completing first when you borrow in Garibaldi:
- 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.