Seaside at a glance
- Population: the Census estimates 7,164 residents, ranking 67th of 240 places in Oregon (Vintage 2023).
- 2020 Census base: 7,160 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a gain of roughly 0.1% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Oregon places: 67th out of 240 Census places (US Census Bureau).
- Size percentile: roughly 72% of places in Oregon rank below it by population (US Census Bureau).
- Coordinates: mapped at 45.9890, -123.9210 by the US Census Bureau Gazetteer.
- Nearest larger cities: Astoria, OR (15 mi); Longview, WA (47 mi); Kelso, WA (50 mi); Forest Grove, OR (51 mi); Scappoose, OR (53 mi); US Census Bureau population estimates.
- Smaller places close by: Gearhart, OR (3 mi); Cannon Beach, OR (7 mi); Warrenton, OR (13 mi) (US Census Bureau).
What a personal loan costs in Seaside
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Seaside
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Seaside
Before you share your details with a lender in Seaside:
- 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.