Personal loans in Medford, OR
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Medford, OR.
The median household in Medford earns $73,230 a year, 12% below the Oregon median of $83,011. About 13% of residents live below the federal poverty line, and 43.7% of households rent their home.
Oregon law that applies in Medford
| 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 Medford
Lenders that serve Medford typically ask for the following:
- 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 Medford
What Medford 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
Car repairskeep getting to work while the shop fixes it
Loans for your situation
How to get a personal loan in Medford
- 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 Medford
26 FDIC-insured bank branches from 12 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Interstate Bank | 4 | 222 W Main St, Medford 97501 |
| JPMorgan Chase Bank, National Association | 3 | 601 Crater Lake Ave, Medford 97504 |
| U.S. Bank National Association | 3 | 131 E Main St, Medford 97501 |
| Banner Bank | 3 | 2600 E Barnett Rd, Medford 97504 |
| Wells Fargo Bank, National Association | 2 | 1320 E Mcandrews Rd, Medford 97504 |
| Columbia Bank | 2 | 220 E 10th St, Medford 97501 |
| People's Bank of Commerce | 2 | 1528 Biddle Rd, Medford 97504 |
| KeyBank National Association | 2 | 1217 Crater Lake Ave, Medford 97504 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Medford
8 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Peak | 2079 Cardinal Ave, Medford 97504 |
| Rogue | 1370 Center Dr, Medford 97501 |
| First Community | 1380 Biddle Rd, Medford 97504 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Jackson County · Payday Loans in Medford · Title Loans in Medford
Frequently asked questions
Can I get a personal loan with bad credit in Medford?
Possibly. Lenders in our network consider applicants with fair and bad credit across Oregon, including Medford. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Medford, 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 Medford?
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.
What credit score do I need for a personal loan?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Medford with our free 3-minute form.
Can I get a personal loan in Medford 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. Medford 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 Medford borrowers who qualify.
How can I get an emergency loan in Medford?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.
How do installment loans work in Medford?
You apply, the lender reviews your income and credit profile, and if you're approved you receive a lump sum deposited into your bank account. You then repay it in equal scheduled payments over an agreed term, with interest built in. Your agreement shows each payment amount and date before you sign. Medford residents can see installment loan offers with our free 3-minute form.
Do I need to visit a store in Medford?
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.