- Payday loans in Junction 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 Eugene, about 11 miles away.
Junction at a glance
| Junction | |
|---|---|
| Population (2024 Census estimate) | 7,256 |
| Change since 2020 | +8% (growing fast) |
| County | Lane County |
| Size rank among 211 Oregon places we cover | 67th |
| Nearest larger city | Eugene (about 11 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Lane County | 6 |
| Other towns within 25 miles | 12 (about 266,752 residents) |
| Typical payday APR statewide (CRL 2023) | 140% |
There is no separate Junction payday law: Oregon rules apply here, and any lender serving Junction residents, online or in person, needs a license from the Oregon Division of Financial Regulation.
Credit unions near Junction
No credit union has its main office in Junction, but these are based elsewhere in Lane County (NCUA, June 2026):
- Eweb Employees Federal Credit Union in Eugene (federal charter — may offer payday alternative loans (PALs))
- Emerald Empire Federal Credit Union in Springfield (federal charter — may offer payday alternative loans (PALs))
- Pacific Cascade Federal Credit Union in Eugene (federal charter — may offer payday alternative loans (PALs))
- Selco Community Credit Union in Springfield (state charter)
- Gateway Credit Union in Springfield (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 Junction
In short, Oregon rules that cover Junction 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 Junction
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 Lane County before you borrow
Before a payday loan, Junction residents can usually find something cheaper:
- Local assistance through 211 covering Lane 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 Junction
The nearest larger city is Eugene, about 11 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 Junction?
Yes. Payday loans are legal in Junction under Oregon state law, and lenders must be licensed by the Oregon Division of Financial Regulation.
How much does a payday loan cost in Junction?
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 Junction?
No credit union is headquartered in Junction, but Eweb Employees Federal Credit Union is based in Eugene, also in Lane 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