- Payday loans in North Bend 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 North Bend; ask about small-dollar loans before borrowing.
North Bend at a glance
| North Bend | |
|---|---|
| Population (2024 Census estimate) | 10,049 |
| Change since 2020 | -2.6% (shrinking) |
| County | Coos County |
| Size rank among 211 Oregon places we cover | 56th |
| Nearest larger city | Eugene (about 72 miles) |
| Credit unions headquartered in town (NCUA) | 1, 1 federal |
| Credit unions headquartered in Coos County | 2 |
| Other towns within 25 miles | 6 (about 31,711 residents) |
| Typical payday APR statewide (CRL 2023) | 140% |
There is no separate North Bend payday law: Oregon rules apply here, and any lender serving North Bend residents, online or in person, needs a license from the Oregon Division of Financial Regulation.
Credit unions in North Bend
These credit unions have their main office in North Bend, according to NCUA call report data (June 2026):
- South Coast Ilwu 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.
Need $100–$1,000 before payday?
- One free request, many lenders
- Bad credit and benefit income considered by many lenders
- See the APR and total cost before you sign
PaydayEase is not a lender. Requests go to lenders in our network; approval, rates and terms are set by the lender. Rates & fees
Payday loan rules that apply in North Bend
In short, Oregon rules that cover North Bend 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 North Bend
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 Coos County before you borrow
Before a payday loan, North Bend residents can usually find something cheaper:
- Local assistance through 211 covering Coos 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 North Bend
The nearest larger city is Eugene, about 72 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 North Bend?
Yes. Payday loans are legal in North Bend under Oregon state law, and lenders must be licensed by the Oregon Division of Financial Regulation.
How much does a payday loan cost in North Bend?
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 North Bend?
Yes. NCUA data lists 1 credit union with a main office in North Bend, including South Coast Ilwu 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