Personal loans in Eugene, OR
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Eugene, OR.
The median household in Eugene earns $66,562 a year, 20% below the Oregon median of $83,011. About 19% of residents live below the federal poverty line, and 52.1% of households rent their home.
Oregon law that applies in Eugene
| Rate cap | The finance charge, as an APR, may not exceed the greater of 36% or 30 percentage points above the Federal Reserve discount window primary credit rate, set each January. |
|---|---|
| License required | Yes. |
| Loan sizes covered | Consumer finance loans of $50,000 or less. |
Full rules with statute citations: Personal Loans in Oregon. Cities in Oregon cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Eugene
Most Eugene applicants can finish in one sitting if they have these ready:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Eugene
What Eugene borrowers use it for
cover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Need money nowthe fastest options online
Loans for your situation
How to get a personal loan in Eugene
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Eugene
29 FDIC-insured bank branches from 13 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| U.S. Bank National Association | 6 | 800 Willamette St, Eugene 97401 |
| KeyBank National Association | 4 | 975 Oak St, Eugene 97401 |
| Columbia Bank | 4 | 111 West 7th Avenue, Eugene 97401 |
| Wells Fargo Bank, National Association | 3 | 2065 River Rd, Eugene 97404 |
| Bank of America, National Association | 2 | 201 E 11th Ave, Eugene 97401 |
| JPMorgan Chase Bank, National Association | 2 | 1100 Willamette St, Eugene 97401 |
| Banner Bank | 2 | 1175 Valley River Dr, Eugene 97401 |
| First Interstate Bank | 1 | 899 Pearl St, Eugene 97401 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Eugene
24 credit-union locations from 11 credit unions.
| Credit union | Location |
|---|---|
| First Technology | 4400 W 11Th Ave, Eugene 97402 |
| Emerald Empire | 255 Coburg Rd, Eugene 97401 |
| Pentagon | 400 Country Club Rd, Eugene 97401 |
| Onpoint Community | 207 Coburg Rd Ste 101, Eugene 97401 |
| Oregon Community | 2880 Chad Dr, Eugene 97408 |
| Peak | 3701 W 11Th Ave, Eugene 97402 |
| Selco Community | 299 E 11Th Ave, Eugene 97401 |
| Marion And Polk Schools | 2921 Crescent Ave, Eugene 97408 |
| Central Willamette | 74 Centennial Loop # A, Eugene 97401 |
| Pacific Cascade | 1075 Oak St, Eugene 97401 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Lane County · Payday Loans in Eugene · Title Loans in Eugene
Frequently asked questions
Can I get a personal loan with bad credit in Eugene?
Possibly. Lenders in our network consider applicants with fair and bad credit across Oregon, including Eugene. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Eugene, OR?
36% APR (or discount rate plus 30 points) on licensed loans up to $50,000.
How fast can I get a personal loan in Eugene?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
Where can I find a loan for bad credit in Eugene?
You can apply at local banks and lenders in Eugene, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
Can I get an emergency loan with bad credit in Eugene?
Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. Eugene residents can see if they qualify in about 3 minutes.
Can I get a personal loan in Eugene with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Eugene residents can see if they qualify for $100 to $5,000 in about 3 minutes.
What is an installment loan?
An installment loan is money you borrow and repay in fixed, scheduled payments, usually every two weeks or monthly, until it's paid off. Personal loans, auto loans and many short-term loans are installment loans. Because repayment is spread out, each payment is smaller than a lump sum. Lenders in our network offer installment loans from $100 to $5,000 to Eugene borrowers who qualify.
Do I need to visit a store in Eugene?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.