Personal loans in Oak Hills, OR
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Oak Hills, OR.
The median household in Oak Hills earns $127,179 a year, 53% above the Oregon median of $83,011. About 3% of residents live below the federal poverty line, and 38.3% of households rent their home.
Oregon law that applies in Oak Hills
| 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 Oak Hills
Here's what to have on hand before you start your personal loan request in Oak Hills:
- 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 Oak Hills
What Oak Hills borrowers use it for
cover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Emergencieshandle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
How to get a personal loan in Oak Hills
- 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 Washington County
95 FDIC-insured bank branches from 17 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| JPMorgan Chase Bank, National Association | 16 | 14700 Sw Teal Blvd, Beaverton 97007 |
| U.S. Bank National Association | 15 | 1735 N Adair St, Cornelius 97113 |
| KeyBank National Association | 13 | 4735 Sw Hall Blvd, Beaverton 97005 |
| Wells Fargo Bank, National Association | 12 | 11601 Sw Beaverton Hillsdale Hwy, Beaverton 97005 |
| Bank of America, National Association | 10 | 4864 Nw Bethany Blvd, Portland 97229 |
| Columbia Bank | 8 | 4110 Pacific Avenue, Forest Grove 97116 |
| BMO Bank National Association | 6 | 9950 Sw Nimbus Ave, Beaverton 97008 |
| Heritage Bank | 3 | 314 E Main St, Hillsboro 97123 |
| Banner Bank | 3 | 2072 Nw Stucki Avenue, Hillsboro 97124 |
| WaFd Bank | 2 | 15444 Sw Pacific Hwy, Tigard 97224 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Washington County
41 credit-union locations from 17 credit unions.
| Credit union | Location |
|---|---|
| First Technology | 2929 Sw Cedar Hills Blvd Bldg 19, Beaverton 97005 |
| Onpoint Community | 2755 Sw Cedar Hills Blvd Ste 100, Beaverton 97005 |
| Peak | 2597 Sw Cedar Hills Blvd Ste 110, Beaverton 97005 |
| Rivermark Community | 2905 Sw Cedar Hills Blvd, Beaverton 97005 |
| Oregon State | 25529 Sw Gwen Dr, Wilsonville 97070 |
| Unitus Community | 3215 Sw Cedar Hills Blvd, Beaverton 97005 |
| Iq | 21604 Sw Langer Farms Pkwy # C101, Sherwood 97140 |
| First Community | 434 Se Washington St, Hillsboro 97123 |
| Consolidated | 9205 Sw Barnes Rd, Portland 97225 |
| Wauna | 3532 Pacific Ave, Forest Grove 97116 |
| Oregonians | 11240 Sw Allen Blvd, Beaverton 97005 |
| Inroads | 6175 Ne Cornell Rd, Hillsboro 97124 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Washington County · Payday Loans in Oak Hills · Title Loans in Oak Hills
Frequently asked questions
Can I get a personal loan with bad credit in Oak Hills?
Possibly. Lenders in our network consider applicants with fair and bad credit across Oregon, including Oak Hills. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Oak Hills, 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 Oak Hills?
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.
How long does it take to get a personal loan in Oak Hills?
With online lenders, the process is usually fast. Our form takes about 3 minutes, many lenders make a decision within minutes, and approved funds are often deposited by the next business day. Some lenders may ask for documents such as pay stubs, which can add a little time. Having your information ready before you start helps you get money sooner in Oak Hills.
Where can I find a loan for bad credit in Oak Hills?
You can apply at local banks and lenders in Oak Hills, 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.
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 Oak Hills borrowers who qualify.
How do I apply for a personal loan with bad credit in Oak Hills?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
Can I get a personal loan in Oak Hills 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. Oak Hills residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Do I need to visit a store in Oak Hills?
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.