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Payday loans in Oregon

Payday loans for bad credit in Oregon

Payday loans are allowed in Oregon from state-licensed lenders (Payday/title loan lender license under ORS 725A.024). Here are the limits Oregon law sets, what a typical loan can cost, and where to get free help if you need it.

Last updated .

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Part of the Oregon guide

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What Oregon law allows

Payday loans in Oregon
ProductStatusAPR capAmountTermLicenseLaw
Payday loans[1][2] Allowed 36% APR Not set by statute At least 31 days Payday/title loan lender license under ORS 725A.024 ORS 725A.064; ORS 725A.020
Verified against the statute and regulator on September 23, 2026. Laws change; confirm with the regulator before you borrow.

Bars place each APR cap on a 0 to 400% scale; the pin marks the cap. A striped bar means the statute sets no numeric cap.

The rules in full

Payday loans

Rate cap
A payday loan lender may not make or renew a payday loan at a rate of interest exceeding 36% per annum, excluding one permitted one-time origination fee.
Fees
Lender may charge no more than one origination fee of $10 per $100 of the loan amount, or $30, whichever is less, across the loan and all renewals.
License
Payday/title loan lender license under ORS 725A.024 (required by ORS 725A.020), Division of Financial Regulation.

Full detail for every loan type: Oregon lending laws.

Money snapshot for Oregon

Oregon household data
MeasureValueYear
Fair market rent, 2 bedroom (monthly)[3]$1,738FY2026
Population[4]4,272,3712024
Unemployment rate[5]5.1%2026-08

Other options in Oregon

Worth checking whatever your credit: these can cost less than a high-rate loan.

  • Emergency loans in Oregon: allowed under Oregon law; see its limits and license rules.
  • Installment loans in Oregon: allowed under Oregon law; see its limits and license rules.
  • Personal loans in Oregon: allowed under Oregon law; see its limits and license rules.
  • Title loans in Oregon: allowed under Oregon law; see its limits and license rules.
  • Credit union payday alternative loans (PALs). Federal credit unions may offer small loans of up to $2,000 with terms of up to 12 months and an APR no higher than 28%, under NCUA rules (12 CFR 701.21). You usually need to be a member.
  • Nonprofit credit counseling. A counselor accredited by the National Foundation for Credit Counseling can help you build a budget or a debt management plan.
  • Ask your creditor for a payment plan. Utilities, hospitals and many lenders offer hardship or extended payment plans if you ask before you miss a payment.
  • Local assistance. Call 211, or visit 211.org, for emergency help with rent, utilities and food in Oregon.

See every loan type Oregon law allows.

Payday loans in nearby states

Sources

  1. Public.Law. ORS 725A.064. Retrieved September 23, 2026.
  2. dfr.oregon.gov. Oregon Division of Financial Regulation (DFR), Dept. of Consumer and Business Services. Retrieved September 23, 2026.
  3. National Low Income Housing Coalition. Out of Reach 2026: Oregon. Retrieved September 23, 2026.
  4. U.S. Census Bureau, Population Division. Vintage 2024 National and State Population Estimates. Retrieved September 23, 2026.
  5. U.S. Bureau of Labor Statistics. Local Area Unemployment Statistics (LAUS), All States, Seasonally Adjusted. Retrieved September 23, 2026.

Important disclosures

APRs vary by lender and state in Oregon. Each lender sets its own rates and terms and must show you the APR before you sign.

Representative example

Amount borrowed
$1,000
Annual percentage rate (APR)
36%
Repayment
12 monthly payments
Payment
$100.46
Finance charge
$205.52
Total of payments
$1,205.52

Example: a $1,000 payday loan at 36% APR repaid in 12 monthly payments of $100.46 costs $1,205.52 in total, including a finance charge of $205.52. Illustration only; your lender will disclose your actual APR, payment schedule and total cost before you accept a loan.

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  • Questions about a lender licensed in Oregon? Contact the Oregon Division of Financial Regulation (DFR) or file a state complaint.
  • You can submit a complaint about any lender to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.