Personal loans in Roseburg, OR
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Roseburg, OR.
The median household in Roseburg earns $53,918 a year, 35% below the Oregon median of $83,011. About 22% of residents live below the federal poverty line, and 46.2% of households rent their home.
Oregon law that applies in Roseburg
| 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 Roseburg
Here's what to have on hand before you start your personal loan request in Roseburg:
- 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 Roseburg
What Roseburg borrowers use it for
the fastest options online
Rent duecover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Loans for your situation
How to get a personal loan in Roseburg
- 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 Roseburg
10 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Columbia Bank | 3 | 445 Se Main St, Roseburg 97470 |
| Banner Bank | 2 | 350 Ne Garden Valley Blvd, Roseburg 97470 |
| Wells Fargo Bank, National Association | 1 | 1701 Nw Garden Valley Blvd, Roseburg 97471 |
| U.S. Bank National Association | 1 | 2080 Nw Stewart Pkwy, Roseburg 97471 |
| JPMorgan Chase Bank, National Association | 1 | 929 Nw Garden Valley Blvd, Roseburg 97471 |
| First Interstate Bank | 1 | 1700 Nw Mulholland Dr, Roseburg 97470 |
| Oregon Pacific Banking Company dba Oregon Pacific Bank | 1 | 2555 Nw Edenbower Blvd, Roseburg 97471 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Roseburg
11 credit-union locations from 6 credit unions.
| Credit union | Location |
|---|---|
| Oregon Community | 780 Nw Garden Valley Blvd Ste 61, Roseburg 97471 |
| Peak | 4900 Grange Rd, Roseburg 97471 |
| Rogue | 1337 Ne Stephens St, Roseburg 97470 |
| First Community | 1960 W Harvard Ave, Roseburg 97471 |
| Cascade Community | 1123 W Harvard Ave, Roseburg 97471 |
| Pacific Cascade | 940 Nw Garden Valley Blvd Ste 104, Roseburg 97471 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Douglas County · Payday Loans in Roseburg · Title Loans in Roseburg
Frequently asked questions
Can I get a personal loan with bad credit in Roseburg?
Possibly. Lenders in our network consider applicants with fair and bad credit across Oregon, including Roseburg. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Roseburg, 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 Roseburg?
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.
Where can I find a loan for bad credit in Roseburg?
You can apply at local banks and lenders in Roseburg, 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 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 Roseburg with our free 3-minute form.
Can I get an emergency loan with bad credit in Roseburg?
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. Roseburg residents can see if they qualify in about 3 minutes.
How do I apply for a personal loan with bad credit in Roseburg?
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 Roseburg 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. Roseburg residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Do I need to visit a store in Roseburg?
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.