- Payday loans in Lakeside 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 62 miles away.
Lakeside at a glance
| Lakeside | |
|---|---|
| Population (2024 Census estimate) | 1,858 |
| Change since 2020 | -2.2% (shrinking) |
| County | Coos County |
| Size rank among 211 Oregon places we cover | 129th |
| Nearest larger city | Eugene (about 62 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Coos County | 2 |
| Other towns within 25 miles | 4 (about 31,563 residents) |
| Typical payday APR statewide (CRL 2023) | 140% |
Whether you borrow at a storefront in Eugene or online from Lakeside, the lender must hold a Oregon license from the Oregon Division of Financial Regulation and follow state limits.
Credit unions near Lakeside
No credit union has its main office in Lakeside, but these are based elsewhere in Coos County (NCUA, June 2026):
- South Coast Ilwu Federal Credit Union in North Bend (federal charter — may offer payday alternative loans (PALs))
- First Community Credit Union in Coquille (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 Lakeside
Key Oregon limits that apply to Lakeside borrowers: 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 Lakeside
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 Coos 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 Lakeside 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 Lakeside
The nearest larger city is Eugene, about 62 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 Lakeside?
Yes. Payday loans are legal in Lakeside under Oregon state law, and lenders must be licensed by the Oregon Division of Financial Regulation.
How much does a payday loan cost in Lakeside?
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 Lakeside?
No credit union is headquartered in Lakeside, but South Coast Ilwu Federal Credit Union is based in North Bend, also in Coos 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