Hood River at a glance
- Population: a Census-estimated 8,346, placing it 62nd among Oregon's 240 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 8,363 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: down roughly 0.2% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Oregon places: the 62nd-largest of 240 (US Census Bureau, 2023 estimate).
- Size percentile: about 74% of Oregon's Census places are smaller (US Census Bureau).
- Coordinates: it sits at 45.7091, -121.5260 in the US Census Bureau Gazetteer.
- Nearest larger cities: The Dalles, OR (20 mi); Washougal, WA (41 mi); Sandy, OR (42 mi); Troutdale, OR (43 mi); Camas, WA (44 mi); US Census Bureau population estimates.
- Nearest smaller towns: White Salmon, WA (2 mi); Bingen, WA (3 mi); Mosier, OR (6 mi) — US Census Bureau populations.
What a personal loan costs in Hood River
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Oregon lending rules that apply in Hood River
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Hood River
The steps below are worth completing first when you borrow in Hood River:
- 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.