- Payday loans in Adams follow Oregon law (ORS chapter 725A).
- Borrowing $300 at the state maximum costs About $39 on a 31-day loan ($30 origination fee plus 36% interest).
- The nearest larger city is Redmond, about 165 miles away.
Adams at a glance
| Adams | |
|---|---|
| Population (2024 Census estimate) | 389 |
| Change since 2020 | -0.3% (holding steady) |
| County | Umatilla County |
| Size rank among 211 Oregon places we cover | 204th |
| Nearest larger city | Redmond (about 165 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Umatilla County | 1 |
| Other towns within 25 miles | 5 (about 27,239 residents) |
| Typical payday APR statewide (CRL 2023) | 140% |
There is no separate Adams payday law: Oregon rules apply here, and any lender serving Adams residents, online or in person, needs a license from the Oregon Division of Financial Regulation.
Credit unions near Adams
No credit union has its main office in Adams, but these are based elsewhere in Umatilla County (NCUA, June 2026):
- Umatilla County Federal Credit Union in Pendleton (federal charter — may offer payday alternative loans (PALs))
Only federal credit unions can offer payday alternative loans (PALs), capped at 28% APR; state-chartered credit unions often have their own small-loan products. Membership rules apply, and only main offices are listed here; find branches near you with the NCUA Credit Union Locator. See how PALs work.
Payday loan rules that apply in Adams
In short, Oregon rules that cover Adams include: minimum term: 31 days; interest: 36% a year; origination fee: $10 per $100, up to $30 on a new loan. See the full Oregon payday loan rules.
What a $300 loan costs in Adams
The Center for Responsible Lending put the typical APR on a $400 payday loan in Oregon at 140% (June 2023). For $300 at the state maximum, expect About $39 on a 31-day loan ($30 origination fee plus 36% interest). Check any offer with our payday loan calculator.
Other help in Umatilla County before you borrow
Before a payday loan, Adams residents can usually find something cheaper:
- Local assistance through 211 covering Umatilla County.
- A credit union payday alternative loan (max 28% APR). See PALs explained.
- Your bank’s small-dollar loan, if offered (compare banks).
- A cash advance app for $20–$500 (apps compared).
Towns near Adams
The nearest larger city is Redmond, about 165 miles away. See all 211 Oregon cities.
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 Adams?
Yes. Payday loans are legal in Adams under Oregon state law, and lenders must be licensed by the Oregon Division of Financial Regulation.
How much does a payday loan cost in Adams?
At Oregon’s maximum fee, borrowing $300 costs About $39 on a 31-day loan ($30 origination fee plus 36% interest). The typical statewide APR was 140% in 2023.
Where is the nearest credit union to Adams?
No credit union is headquartered in Adams, but Umatilla County Federal Credit Union is based in Pendleton, also in Umatilla County.
Sources
- U.S. Census Bureau — City and town population totals, Vintage 2024
- U.S. Census Bureau — 2024 Gazetteer files (place locations)
- NCUA — Credit union call report data, June 2026 (FOICU)
- Oregon DFR — Payday loans
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary