- Payday loans in Sublimity 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 Salem, about 13 miles away.
Sublimity at a glance
| Sublimity | |
|---|---|
| Population (2024 Census estimate) | 2,879 |
| Change since 2020 | -3% (shrinking) |
| County | Marion County |
| Size rank among 211 Oregon places we cover | 103rd |
| Nearest larger city | Salem (about 13 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Marion County | 4 |
| Other towns within 25 miles | 25 (about 408,852 residents) |
| Typical payday APR statewide (CRL 2023) | 140% |
There is no separate Sublimity payday law: Oregon rules apply here, and any lender serving Sublimity residents, online or in person, needs a license from the Oregon Division of Financial Regulation.
Credit unions near Sublimity
No credit union has its main office in Sublimity, 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.
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 Sublimity
In short, Oregon rules that cover Sublimity 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 Sublimity
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 Marion County before you borrow
Before a payday loan, Sublimity 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 Sublimity
The nearest larger city is Salem, about 13 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 Sublimity?
Yes. Payday loans are legal in Sublimity under Oregon state law, and lenders must be licensed by the Oregon Division of Financial Regulation.
How much does a payday loan cost in Sublimity?
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 Sublimity?
No credit union is headquartered in Sublimity, 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