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Loans for oregon residents

Compare payday loans in Oregon

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Find out what your options are for a quick cash loan in Oregon.

Residents of Oregon can turn to payday loans when they need extra money, but taking some time to understand how these loans work is a necessity. Our guide will tell you how much you can borrow and the laws surrounding them.

Check into Cash Payday Loan

Check into Cash Loans

Check into Cash allows you to directly apply for a payday loan and have your cash when you need it.

  • Minimum. Loan Amount: $50
  • Loan Term: Varies by state
  • Turnaround Time: 1–2 business days
  • Total Costs: Varies depending on the amount and your state of residency.
  • Must be 18+
  • No security needed
  • Confidential and secure!
    Go to site
    More info

    Can I actually get a payday loan in Oregon?

    Yes. Payday loans are governed by 54 Orergon Revised Statature § 725A.010 et seq. Payday loan terms last from 31 to 60 days. Lenders may not charge more than 36% interest and a single origination fee of $10 per $100, up to $300. A 31-day $100 loan has a max APR of 154%.

    There is no maximum limit to how many loans you can have out at once, and you are permitted two renewals. Oregon law doesn’t specify fees for this and doesn’t require lenders to offer a repayment plan.

    More generally, the maximum amount you can borrow for a personal loan in Oregon cannot exceed $50,000 — provided the money is used for personal, household or family expenses. However, if your income is less than $60,000 per year, you’re limited to 25% of your net monthly income.

    Consider these lenders for a short term loan in Oregon

    Check the websites of any providers you’re interested in to confirm they operate in your state of residence.

    Rates last updated June 21st, 2018

    Personalize your loan options

    Entering your location allows us to show you the loans you can successfully apply to.

    Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
    Name Product Product Description Max. Loan Amount Turnaround Time Requirements
    Check into Cash Payday Loan
    Check into Cash Payday Loan
    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
    $1,000
    1–2 business days
    You must be at least 21 and an American citizen and have a bank account, email address and phone number.
    Go to site More
    LendUp Payday Loans
    LendUp Payday Loans
    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.
    $250
    generally receive the money the next business day
    Be 18+ years of age and have a checking account that can accept electronic transfers.
    Go to site More
    CashNetUSA Loan
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    Varies by state
    1 business day
    You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
    Go to site More
    ACE Cash Express Payday Loans
    ACE Cash Express Payday Loans
    Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
    Varies by state
    Generally receive the money the next business day
    Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.
    Go to site More
    LoanByPhone Payday and Installment Loans
    LoanByPhone Payday and Installment Loans
    This mobile lender offers convenient cash loans. Apply online or by phone.
    $3,000
    1–2 business days
    Must be 21 years old and have a Social Security number, a regular source of income, a valid email address, an active checking account and a phone number.
    Go to site More
    BadCreditLoans.com
    BadCreditLoans.com
    With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
    $5,000
    Varies
    Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.
    Go to site More

    Compare up to 4 providers

    What do I need to apply for a payday loan?

    All lenders will require that you have a regular source of income, be at least 18 years old and be a citizen or permanent resident of the US.

    Whether you apply online or in-store, you’ll have to provide some basic information. This includes your name, address, contact information and your Social Security number. Lenders will also want to confirm your income by checking whether you’re employed. Finally, if you apply online, the lender will request access to your checking account to deposite your loan funds and debit your payment when it’s due.

    What are some alternatives to consider in Oregon?

    Oregon HEAT, Temporary Assistance to Needy Families (TANF) and Supplemental Nutrition Assistance Program (SNAP) all provide help for people who struggle to pay their everyday bills. In addition, you can ask friends or family for help or negotiate with your creditors to lower your monthly payments.

    Check out our page on alternatives to see even more options

    Payday loan locations in Oregon

    Bottom line

    A payday loan can be a good way to get out of a tough spot. Before you borrow, be sure you can pay back the full amount of your loan–the principal and the interest–and confirm that the lender is operating by Oregon state standards.

    Have any more questions about Oregon payday loans?

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    US Payday Loans Offers

    Important Information*
    Slam Dunk Loans

    Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.

    More info
    LendUp Payday Loans

    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

    More info
    Check into Cash Payday Loan

    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

    More info
    OppLoans Installment Loans

    Installment loans with competitive rates from a top-rated direct lender.

    More info
    Go to site