- Payday loans in Garibaldi 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 Forest Grove, about 39 miles away.
Garibaldi at a glance
| Garibaldi | |
|---|---|
| Population (2024 Census estimate) | 817 |
| Change since 2020 | -1% (shrinking) |
| County | Tillamook County |
| Size rank among 211 Oregon places we cover | 171st |
| Nearest larger city | Forest Grove (about 39 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Other towns within 25 miles | 7 (about 10,813 residents) |
| Typical payday APR statewide (CRL 2023) | 140% |
Payday lending in Garibaldi follows Oregon state law. Lenders that serve Garibaldi, in a store or online, must be licensed by the Oregon Division of Financial Regulation.
Credit unions near Garibaldi
NCUA data (June 2026) shows no credit union headquartered in Garibaldi or Tillamook County. Many credit unions have branches in other towns or accept members online. Use the NCUA’s Credit Union Locator to find one near you.
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 Garibaldi
The main Oregon rules for a payday loan in Garibaldi: 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 Garibaldi
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 Tillamook County before you borrow
- Call or text 211 for help with rent, utilities and food in Tillamook 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 Garibaldi
The nearest larger city is Forest Grove, about 39 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 Garibaldi?
Yes. Payday loans are legal in Garibaldi under Oregon state law, and lenders must be licensed by the Oregon Division of Financial Regulation.
How much does a payday loan cost in Garibaldi?
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 Garibaldi?
NCUA data shows no credit union headquartered in Garibaldi or its county. Use the NCUA credit union locator to find branches and online credit unions.
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