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Payday loans by state

Payday Loans in Weston, OR: Rules, Costs and Local Options

Weston is a city of about 705 people in Umatilla County, Oregon. Payday loans are legal here under Oregon law, so the same state limits apply whether you borrow in a store or online.

Key takeaways
  • Payday loans in Weston 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 172 miles away.

Weston at a glance

Weston
Population (2024 Census estimate)705
Change since 2020-1.4% (shrinking)
CountyUmatilla County
Size rank among 211 Oregon places we cover177th
Nearest larger cityRedmond (about 172 miles)
Credit unions headquartered in town (NCUA)None
Credit unions headquartered in Umatilla County1
Other towns within 25 miles4 (about 25,610 residents)
Typical payday APR statewide (CRL 2023)140%

Payday lending in Weston follows Oregon state law. Lenders that serve Weston, in a store or online, must be licensed by the Oregon Division of Financial Regulation.

Credit unions near Weston

No credit union has its main office in Weston, but these are based elsewhere in Umatilla County (NCUA, June 2026):

  • Umatilla County Federal Credit Union in Pendleton (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.

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Payday loan rules that apply in Weston

The main Oregon rules for a payday loan in Weston: 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 Weston

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 Umatilla County before you borrow

  • Call or text 211 for help with rent, utilities and food in Umatilla 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 Weston

The nearest larger city is Redmond, about 172 miles away. See all 211 Oregon cities.

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Frequently asked questions

Are payday loans legal in Weston?

Yes. Payday loans are legal in Weston under Oregon state law, and lenders must be licensed by the Oregon Division of Financial Regulation.

How much does a payday loan cost in Weston?

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 Weston?

No credit union is headquartered in Weston, but Umatilla County Federal Credit Union is based in Pendleton, also in Umatilla County.

Sources

  1. U.S. Census Bureau — City and town population totals, Vintage 2024
  2. U.S. Census Bureau — 2024 Gazetteer files (place locations)
  3. NCUA — Credit union call report data, June 2026 (FOICU)
  4. Oregon DFR — Payday loans
  5. Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
  6. CDFI Fund — NCUA payday alternative loans summary
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