- Payday loans in John Day 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 John Day; ask about small-dollar loans before borrowing.
John Day at a glance
| John Day | |
|---|---|
| Population (2024 Census estimate) | 1,641 |
| Change since 2020 | -2.1% (shrinking) |
| County | Grant County |
| Size rank among 211 Oregon places we cover | 136th |
| Nearest larger city | Redmond (about 111 miles) |
| Credit unions headquartered in town (NCUA) | 1, 1 federal |
| Credit unions headquartered in Grant County | 1 |
| Other towns within 25 miles | 3 (about 2,007 residents) |
| Typical payday APR statewide (CRL 2023) | 140% |
There is no separate John Day payday law: Oregon rules apply here, and any lender serving John Day residents, online or in person, needs a license from the Oregon Division of Financial Regulation.
Credit unions in John Day
These credit unions have their main office in John Day, according to NCUA call report data (June 2026):
- Old West Federal Credit Union (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 John Day
In short, Oregon rules that cover John Day 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 John Day
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 Grant County before you borrow
Before a payday loan, John Day residents can usually find something cheaper:
- Local assistance through 211 covering Grant 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 John Day
The nearest larger city is Redmond, about 111 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 John Day?
Yes. Payday loans are legal in John Day under Oregon state law, and lenders must be licensed by the Oregon Division of Financial Regulation.
How much does a payday loan cost in John Day?
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 John Day?
Yes. NCUA data lists 1 credit union with a main office in John Day, including Old West 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