- Payday loans in Yamhill 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 McMinnville, about 9 miles away.
Yamhill at a glance
| Yamhill | |
|---|---|
| Population (2024 Census estimate) | 1,215 |
| Change since 2020 | +1.3% (growing) |
| County | Yamhill County |
| Size rank among 211 Oregon places we cover | 151st |
| Nearest larger city | McMinnville (about 9 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Other towns within 25 miles | 32 (about 619,883 residents) |
| Typical payday APR statewide (CRL 2023) | 140% |
Payday lending in Yamhill follows Oregon state law. Lenders that serve Yamhill, in a store or online, must be licensed by the Oregon Division of Financial Regulation.
Credit unions near Yamhill
NCUA data (June 2026) shows no credit union headquartered in Yamhill or Yamhill 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 Yamhill
The main Oregon rules for a payday loan in Yamhill: 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 Yamhill
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 Yamhill County before you borrow
- Call or text 211 for help with rent, utilities and food in Yamhill 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 Yamhill
The nearest larger city is McMinnville, about 9 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 Yamhill?
Yes. Payday loans are legal in Yamhill under Oregon state law, and lenders must be licensed by the Oregon Division of Financial Regulation.
How much does a payday loan cost in Yamhill?
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 Yamhill?
NCUA data shows no credit union headquartered in Yamhill 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