- Payday loans are legal in Oregon under the ORS chapter 725A.
- The typical APR on a $400 payday loan in Oregon was 140% (CRL, June 2023, from state regulator data).
- Borrowing $300 at the maximum fee costs About $39 on a 31-day loan ($30 origination fee plus 36% interest).
Payday loan rules in Oregon
| Rule | Oregon |
|---|---|
| Minimum term | 31 days |
| Interest | 36% a year |
| Origination fee | $10 per $100, up to $30 on a new loan |
| Rollovers | Restricted |
Rules checked 2026-10-04. Laws change, so confirm current limits with the Oregon Division of Financial Regulation.
What a payday loan costs in Oregon
The Center for Responsible Lending found the typical APR on a $400 single-payment payday loan in Oregon was 140%, based on data from the state regulator (June 2023). Under the state’s fee limits, borrowing $300 costs About $39 on a 31-day loan ($30 origination fee plus 36% interest). Use our cost calculator to turn any offer into an APR.
Most payday loans are due in one payment on your next payday. If repaying leaves you short again, ask about an extended payment plan and avoid renewals.
Need $100–$1,000 before payday?
- One free request, many lenders
- Bad credit and benefit income considered by many lenders
- See the APR and total cost before you sign
PaydayEase is not a lender. Requests go to lenders in our network; approval, rates and terms are set by the lender. Rates & fees
How to check a lender in Oregon
- Make sure the lender is licensed by the Oregon Division of Financial Regulation. Many lenders can also be looked up on NMLS Consumer Access.
- Get the APR and finance charge in writing before you sign. Federal law requires them.
- Be careful with online lenders that say Oregon law does not apply to them because they are tribal or offshore.
- File complaints with the state regulator and the CFPB.
Cheaper options in Oregon
- Credit union payday alternative loans (PALs): $200–$2,000 at no more than 28% APR. Search for a federal credit union in Oregon that offers them. See how PALs work.
- Your bank’s small-dollar loan, if it offers one. See bank small-dollar loans.
- Cash advance apps for $20–$500 based on your direct deposits. See apps compared.
- 211: call or text 211 for local help with rent, utilities and food.
Oregon cities
Local guides for 211 Oregon cities and towns, with credit unions, nearby towns and the rules that apply.
- Payday loans in Portland
- Payday loans in Salem
- Payday loans in Eugene
- Payday loans in Gresham
- Payday loans in Hillsboro
- Payday loans in Bend
- Payday loans in Beaverton
- Payday loans in Medford
- Payday loans in Corvallis
- Payday loans in Springfield
- Payday loans in Tigard
- Payday loans in Albany
- Payday loans in Lake Oswego
- Payday loans in Grants Pass
- Payday loans in Keizer
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in Oregon?
Yes. Payday lending is legal in Oregon under the ORS chapter 725A and is regulated by the Oregon Division of Financial Regulation.
What is the typical payday loan APR in Oregon?
The Center for Responsible Lending reported a typical APR of 140% on a $400 payday loan in Oregon, using state regulator data (June 2023).
Where can I complain about a payday lender in Oregon?
Contact the Oregon Division of Financial Regulation and file a complaint with the Consumer Financial Protection Bureau.