- Payday loans in Estacada 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 Happy Valley, about 13 miles away.
Estacada at a glance
| Estacada | |
|---|---|
| Population (2024 Census estimate) | 5,591 |
| Change since 2020 | +23.2% (growing fast) |
| County | Clackamas County |
| Size rank among 211 Oregon places we cover | 77th |
| Nearest larger city | Happy Valley (about 13 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Clackamas County | 7 |
| Other towns within 25 miles | 25 (about 1,114,070 residents) |
| Typical payday APR statewide (CRL 2023) | 140% |
Payday lending in Estacada follows Oregon state law. Lenders that serve Estacada, in a store or online, must be licensed by the Oregon Division of Financial Regulation.
Credit unions near Estacada
No credit union has its main office in Estacada, but these are based elsewhere in Clackamas County (NCUA, June 2026):
- Cutting Edge Federal Credit Union in Milwaukie (federal charter — may offer payday alternative loans (PALs))
- Embold Federal Credit Union in Oregon City (federal charter — may offer payday alternative loans (PALs))
- Castparts Employees Federal Credit Union in Portland (federal charter — may offer payday alternative loans (PALs))
- Machinists - Boilermakers Federal Credit Union in Gladstone (federal charter — may offer payday alternative loans (PALs))
- Forrit Credit Union in Clackamas (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 Estacada
The main Oregon rules for a payday loan in Estacada: 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 Estacada
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 Clackamas County before you borrow
- Call or text 211 for help with rent, utilities and food in Clackamas 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 Estacada
The nearest larger city is Happy Valley, about 13 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 Estacada?
Yes. Payday loans are legal in Estacada under Oregon state law, and lenders must be licensed by the Oregon Division of Financial Regulation.
How much does a payday loan cost in Estacada?
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 Estacada?
No credit union is headquartered in Estacada, but Cutting Edge Federal Credit Union is based in Milwaukie, also in Clackamas 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