- Payday loans in Eugene 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).
- 3 credit unions are headquartered in Eugene; ask about small-dollar loans before borrowing.
Eugene at a glance
| Eugene | |
|---|---|
| Population (2024 Census estimate) | 178,786 |
| Change since 2020 | +0.2% (holding steady) |
| County | Lane County |
| Size rank among 211 Oregon places we cover | 3rd |
| Share of Oregon’s population | 4.2% |
| Nearest larger city | Salem (about 60 miles) |
| Credit unions headquartered in town (NCUA) | 3, 2 federal |
| Credit unions headquartered in Lane County | 6 |
| Other towns within 25 miles | 11 (about 99,774 residents) |
| Typical payday APR statewide (CRL 2023) | 140% |
Whether you borrow at a storefront in Salem or online from Eugene, the lender must hold a Oregon license from the Oregon Division of Financial Regulation and follow state limits.
Credit unions in Eugene
These credit unions have their main office in Eugene, according to NCUA call report data (June 2026):
- Eweb Employees Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
- Pacific Cascade Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
- Oregon Community 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 Eugene
| 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 Eugene
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 Lane County before you borrow
- Credit union payday alternative loans (PALs): $200–$2,000 at no more than 28% APR. Search for a federal credit union in Eugene 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.
Towns near Eugene
The nearest larger city is Salem, about 60 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 Eugene?
Yes. Payday loans are legal in Eugene under Oregon state law, and lenders must be licensed by the Oregon Division of Financial Regulation.
How much does a payday loan cost in Eugene?
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 Eugene?
Yes. NCUA data lists 3 credit unions with a main office in Eugene, including Eweb Employees Federal Credit Union and Pacific Cascade Federal Credit Union. Federal credit unions can offer payday alternative loans capped at 28% APR.
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