- Payday loans in Bend 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).
- 1 credit union is headquartered in Bend; ask about small-dollar loans before borrowing.
Bend at a glance
| Bend | |
|---|---|
| Population (2024 Census estimate) | 106,926 |
| Change since 2020 | +7.3% (growing fast) |
| County | Deschutes County |
| Size rank among 211 Oregon places we cover | 6th |
| Share of Oregon’s population | 2.5% |
| Nearest larger city | Eugene (about 90 miles) |
| Credit unions headquartered in town (NCUA) | 1 |
| Credit unions headquartered in Deschutes County | 1 |
| Other towns within 25 miles | 2 (about 40,583 residents) |
| Typical payday APR statewide (CRL 2023) | 140% |
Payday lending in Bend follows Oregon state law. Lenders that serve Bend, in a store or online, must be licensed by the Oregon Division of Financial Regulation.
Credit unions in Bend
These credit unions have their main office in Bend, according to NCUA call report data (June 2026):
- Mid Oregon Credit Union (state charter)
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.
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Payday loan rules that apply in Bend
| Rule | Oregon |
|---|---|
| Minimum term | 31 days |
| Interest | 36% a year |
| Origination fee | $10 per $100, up to $30 on a new loan |
| Rollovers | Restricted |
What a $300 loan costs in Bend
At Oregon’s maximum fee, borrowing $300 costs About $39 on a 31-day loan ($30 origination fee plus 36% interest). Statewide, the typical APR on a $400 payday loan was 140% (Center for Responsible Lending, June 2023). Check any offer with our payday loan calculator.
Other help in Deschutes County before you borrow
- Call or text 211 for help with rent, utilities and food in Deschutes County.
- Ask a federal credit union about a PAL: $200–$2,000 at no more than 28% APR (how PALs work).
- Check your bank app for a small-dollar loan or early pay (bank options).
- Try a cash advance app if you have direct deposit (apps compared).
Towns near Bend
The nearest larger city is Eugene, about 90 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 Bend?
Yes. Payday loans are legal in Bend under Oregon state law, and lenders must be licensed by the Oregon Division of Financial Regulation.
How much does a payday loan cost in Bend?
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.
Are there credit unions in Bend?
Yes. NCUA data lists 1 credit union with a main office in Bend, including Mid Oregon Credit Union.
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