- Payday loans in Waldport 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 Corvallis, about 40 miles away.
Waldport at a glance
| Waldport | |
|---|---|
| Population (2024 Census estimate) | 2,262 |
| Change since 2020 | +0.4% (holding steady) |
| County | Lincoln County |
| Size rank among 211 Oregon places we cover | 116th |
| Nearest larger city | Corvallis (about 40 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Other towns within 25 miles | 4 (about 16,577 residents) |
| Typical payday APR statewide (CRL 2023) | 140% |
Whether you borrow at a storefront in Corvallis or online from Waldport, the lender must hold a Oregon license from the Oregon Division of Financial Regulation and follow state limits.
Credit unions near Waldport
NCUA data (June 2026) shows no credit union headquartered in Waldport or Lincoln 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.
Payday loan rules that apply in Waldport
Key Oregon limits that apply to Waldport borrowers: 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 Waldport
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 Lincoln County before you borrow
- Credit union payday alternative loans (PALs): $200–$2,000 at no more than 28% APR. Search for a federal credit union in Waldport that offers them. See how PALs work.
- Your bank’s small-dollar loan, if it offers one. See bank small-dollar loans.
- Cash advance apps for $20–$500 based on your direct deposits. See apps compared.
- 211: call or text 211 for local help with rent, utilities and food.
Towns near Waldport
The nearest larger city is Corvallis, about 40 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 Waldport?
Yes. Payday loans are legal in Waldport under Oregon state law, and lenders must be licensed by the Oregon Division of Financial Regulation.
How much does a payday loan cost in Waldport?
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 Waldport?
NCUA data shows no credit union headquartered in Waldport 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