- Payday loans in Medford 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 Medford; ask about small-dollar loans before borrowing.
Medford at a glance
| Medford | |
|---|---|
| Population (2024 Census estimate) | 86,301 |
| Change since 2020 | 0% (holding steady) |
| County | Jackson County |
| Size rank among 211 Oregon places we cover | 8th |
| Share of Oregon’s population | 2% |
| Nearest larger city | Eugene (about 120 miles) |
| Credit unions headquartered in town (NCUA) | 1 |
| Credit unions headquartered in Jackson County | 1 |
| Other towns within 25 miles | 10 (about 70,820 residents) |
| Typical payday APR statewide (CRL 2023) | 140% |
There is no separate Medford payday law: Oregon rules apply here, and any lender serving Medford residents, online or in person, needs a license from the Oregon Division of Financial Regulation.
Credit unions in Medford
These credit unions have their main office in Medford, according to NCUA call report data (June 2026):
- Rogue 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 Medford
In short, Oregon rules that cover Medford 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 Medford
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 Jackson County before you borrow
Before a payday loan, Medford residents can usually find something cheaper:
- Local assistance through 211 covering Jackson 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 Medford
- Central Point · 4 mi
- Phoenix · 5 mi
- Jacksonville · 6 mi
- Talent · 8 mi
- Eagle Point · 9 mi
- Gold Hill · 12 mi
The nearest larger city is Eugene, about 120 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 Medford?
Yes. Payday loans are legal in Medford under Oregon state law, and lenders must be licensed by the Oregon Division of Financial Regulation.
How much does a payday loan cost in Medford?
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 Medford?
Yes. NCUA data lists 1 credit union with a main office in Medford, including Rogue Credit Union.
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