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Loans for oregon residents

Compare your loan options in Oregon

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Payday loans and other alternatives for quick cash 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 crucial to avoiding a cycle of debt. Find out how much you can borrow and the laws surrounding these short-term loans.

CashUSA Installment Loans

Our top pick: CashUSA

Need a quick cash loan as high as $10,000? This loan connection service could help.

  • Min. Loan Amount: $500
  • Max. Loan Amount: $10,000
  • Loan Term: 90 days to 72 months
  • Turnaround Time: As early as 1 business day
  • Requirements: Must have a monthly income of $1,000+ after taxes and valid checking account.
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    More info

    Can I actually get a payday loan in Oregon?

    Yes. Payday loans are governed by 54 Oregon Revised Statute § 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

    Rates last updated February 22nd, 2019

    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
    OppLoans Installment Loans
    OppLoans Installment Loans
    Installment loans with competitive rates from a top-rated direct lender.
    $5,000
    1 business day
    Must have direct deposit and meet minimum income requirements
    Go to site More
    Jora Installment Loans
    Jora Installment Loans
    Installment loans with repayment terms up to 30 months, depending on your state.
    $2,600
    1–2 days
    Must have an active checking account, regular source of income and email address.
    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
    LendYou Short-term Loans
    LendYou Short-term Loans
    Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.
    $15,000
    1 business day
    You must be a US citizen or permanent resident, age 18+ and have a regular income.
    Go to site More
    CashUSA Installment Loans
    CashUSA Installment Loans
    A connection service for quick cash loans up to $10,000.
    $10,000
    As early as 1 business day
    Must have a monthly income of $1,000+ after taxes and valid checking account.
    Go to site More
    ACE Cash Express Short-term Loans
    ACE Cash Express Short-term 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
    LendUp Payday Loans
    LendUp Payday Loans
    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see more details for 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

    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 deposit 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.

    A guide to payday loan alternatives to explore more options

    Payday loan locations in Oregon

    Bottom line

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

    Have any more questions about Oregon payday loans?

    Kellye Guinan

    Kellye Guinan is a writer and editor with finder.com and has years of experience in academic writing and research. Between her passion for books and her love of language, she works on creating stories and volunteering her time on worthy causes. She lives in the woods and likes to find new bug friends in between reading just a little too much nonfiction.

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