- Payday loans in Rainier 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 Hillsboro, about 38 miles away.
Rainier at a glance
| Rainier | |
|---|---|
| Population (2024 Census estimate) | 1,932 |
| Change since 2020 | +1.3% (growing) |
| County | Columbia County |
| Size rank among 211 Oregon places we cover | 125th |
| Nearest larger city | Hillsboro (about 38 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Columbia County | 2 |
| Other towns within 25 miles | 5 (about 28,901 residents) |
| Typical payday APR statewide (CRL 2023) | 140% |
Payday lending in Rainier follows Oregon state law. Lenders that serve Rainier, in a store or online, must be licensed by the Oregon Division of Financial Regulation.
Credit unions near Rainier
No credit union has its main office in Rainier, but these are based elsewhere in Columbia County (NCUA, June 2026):
- Inroads Federal Credit Union in Saint Helens (federal charter — may offer payday alternative loans (PALs))
- Wauna Federal Credit Union in Clatskanie (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 Rainier
The main Oregon rules for a payday loan in Rainier: 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 Rainier
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 Columbia County before you borrow
- Call or text 211 for help with rent, utilities and food in Columbia County.
- Ask a federal credit union about a PAL: $200–$2,000 at no more than 28% APR (how PALs work).
- Check your bank app for a small-dollar loan or early pay (bank options).
- Try a cash advance app if you have direct deposit (apps compared).
Towns near Rainier
The nearest larger city is Hillsboro, about 38 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 Rainier?
Yes. Payday loans are legal in Rainier under Oregon state law, and lenders must be licensed by the Oregon Division of Financial Regulation.
How much does a payday loan cost in Rainier?
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 Rainier?
No credit union is headquartered in Rainier, but Inroads Federal Credit Union is based in Saint Helens, also in Columbia 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