- Payday loans in Vale 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 Redmond, about 196 miles away.
Vale at a glance
| Vale | |
|---|---|
| Population (2024 Census estimate) | 2,057 |
| Change since 2020 | +8.1% (growing fast) |
| County | Malheur County |
| Size rank among 211 Oregon places we cover | 122nd |
| Nearest larger city | Redmond (about 196 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Other towns within 25 miles | 2 (about 15,226 residents) |
| Typical payday APR statewide (CRL 2023) | 140% |
Payday lending in Vale follows Oregon state law. Lenders that serve Vale, in a store or online, must be licensed by the Oregon Division of Financial Regulation.
Credit unions near Vale
NCUA data (June 2026) shows no credit union headquartered in Vale or Malheur County. Many credit unions have branches in other towns or accept members online. Use the NCUA’s Credit Union Locator to find one near you.
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 Vale
The main Oregon rules for a payday loan in Vale: 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 Vale
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 Malheur County before you borrow
- Call or text 211 for help with rent, utilities and food in Malheur 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 Vale
The nearest larger city is Redmond, about 196 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 Vale?
Yes. Payday loans are legal in Vale under Oregon state law, and lenders must be licensed by the Oregon Division of Financial Regulation.
How much does a payday loan cost in Vale?
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 Vale?
NCUA data shows no credit union headquartered in Vale or its county. Use the NCUA credit union locator to find branches and online credit unions.
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