- Payday loans in St. Paul 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 Newberg, about 7 miles away.
St. Paul at a glance
| St. Paul | |
|---|---|
| Population (2024 Census estimate) | 426 |
| Change since 2020 | -1.4% (shrinking) |
| County | Marion County |
| Size rank among 211 Oregon places we cover | 198th |
| Nearest larger city | Newberg (about 7 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Marion County | 4 |
| Other towns within 25 miles | 39 (about 916,916 residents) |
| Typical payday APR statewide (CRL 2023) | 140% |
There is no separate St. Paul payday law: Oregon rules apply here, and any lender serving St. Paul residents, online or in person, needs a license from the Oregon Division of Financial Regulation.
Credit unions near St. Paul
No credit union has its main office in St. Paul, but these are based elsewhere in Marion County (NCUA, June 2026):
- Ibew/Sj Cascade Federal Credit Union in Salem (federal charter — may offer payday alternative loans (PALs))
- Heritage Grove Federal Credit Union in Salem (federal charter — may offer payday alternative loans (PALs))
- Marion And Polk Schools Credit Union in Salem (state charter)
- Valley Credit Union in Salem (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.
Payday loan rules that apply in St. Paul
In short, Oregon rules that cover St. Paul 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 St. Paul
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 Marion County before you borrow
Before a payday loan, St. Paul residents can usually find something cheaper:
- Local assistance through 211 covering Marion 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 St. Paul
The nearest larger city is Newberg, about 7 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 St. Paul?
Yes. Payday loans are legal in St. Paul under Oregon state law, and lenders must be licensed by the Oregon Division of Financial Regulation.
How much does a payday loan cost in St. Paul?
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 St. Paul?
No credit union is headquartered in St. Paul, but Ibew/Sj Cascade Federal Credit Union is based in Salem, also in Marion 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