Loans in Coos County, OR: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Coos County, OR.
The median household in Coos County earns $62,143 a year, 25% below the Oregon median of $83,011. About 16% of residents live below the federal poverty line, and 28.8% of households rent their home.
What you need for a payday loan in Coos County
Most Coos County applicants can finish in one sitting if they have these ready:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Coos County
What Coos County borrowers use it for
keep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Rent duecover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Coos County
Payday Loans Legal
Payday loans are legal in Oregon from lenders licensed by the Division of Financial Regulation under ORS chapter 725A.
Personal Loans
36% APR (or discount rate plus 30 points) on licensed loans up to $50,000.
Title Loans Legal
Title loans are legal in Oregon from lenders licensed under ORS 725A, with the same 36% interest cap and one-time origination fee as payday loans.
Banks and credit unions in Coos County
Banks with branches in Coos County
14 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Columbia Bank | 4 | 700 S Broadway, Coos Bay 97420 |
| Banner Bank | 3 | 1095 Oregon Ave Se, Bandon 97411 |
| First Interstate Bank | 2 | 1611 Virginia Ave, North Bend 97459 |
| Wells Fargo Bank, National Association | 1 | 200 N Broadway, Coos Bay 97420 |
| U.S. Bank National Association | 1 | 400 Anderson Ave, Coos Bay 97420 |
| JPMorgan Chase Bank, National Association | 1 | 290 S 4th St, Coos Bay 97420 |
| Oregon Pacific Banking Company dba Oregon Pacific Bank | 1 | 915 S 1st St, Coos Bay 97420 |
| Oregon Coast Bank | 1 | 1390 N Bayshore Dr, Coos Bay 97420 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Coos County
8 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Peak | 2470 Tremont St, North Bend 97459 |
| Rogue | 1010 1St St Se Ste 120, Bandon 97411 |
| First Community | 200 N Adams St, Coquille 97423 |
| South Coast Ilwu | 2438 Broadway Ave, North Bend 97459 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Coos County
All Oregon counties and cities
Frequently asked questions
Are payday loans legal in Coos County?
Coos County follows Oregon law. Payday loans are legal in Oregon from lenders licensed by the Division of Financial Regulation under ORS chapter 725A.
Are title loans legal in Coos County?
Title loans are legal in Oregon from lenders licensed under ORS 725A, with the same 36% interest cap and one-time origination fee as payday loans.
Where can I get a small loan in Coos County?
Options include 14 bank and 8 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Coos County?
Fill out our short online form from anywhere in Coos County. We share it with lenders in our network that serve Oregon; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I get an emergency loan in Coos County?
Yes. When an unexpected bill comes up, Coos County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.
Where can I get a loan in Coos County, OR?
You can apply at banks, credit unions and lenders in Coos County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Oregon residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get a loan in Coos County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Coos County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Coos County?
Yes. You don't need to visit a branch or storefront anywhere in Coos County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Oregon. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.