- Payday loans in Powers 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 Grants Pass, about 49 miles away.
Powers at a glance
| Powers | |
|---|---|
| Population (2024 Census estimate) | 703 |
| Change since 2020 | -0.8% (holding steady) |
| County | Coos County |
| Size rank among 211 Oregon places we cover | 178th |
| Nearest larger city | Grants Pass (about 49 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Coos County | 2 |
| Other towns within 25 miles | 4 (about 10,867 residents) |
| Typical payday APR statewide (CRL 2023) | 140% |
There is no separate Powers payday law: Oregon rules apply here, and any lender serving Powers residents, online or in person, needs a license from the Oregon Division of Financial Regulation.
Credit unions near Powers
No credit union has its main office in Powers, 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 Powers
In short, Oregon rules that cover Powers 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 Powers
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, Powers 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 Powers
- Myrtle Point · 13 mi
- Coquille · 21 mi
- Port Orford · 23 mi
- Bandon · 23 mi
- Glendale · 34 mi
- Coos Bay · 35 mi
The nearest larger city is Grants Pass, about 49 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 Powers?
Yes. Payday loans are legal in Powers under Oregon state law, and lenders must be licensed by the Oregon Division of Financial Regulation.
How much does a payday loan cost in Powers?
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 Powers?
No credit union is headquartered in Powers, 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