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Payday Loans in Oregon

Compare licensed lenders • Check OR regulations • Apply online

Max Loan
$50,000
Cities Covered
8
Legal Status
Legal (Regulated)
Population
4,237,256

Oregon Payday Loan Regulations

Max Loan Amount:$50,000
Max Term:60 days
Typical APR:154%
Cooling-Off:None
Rollover Allowed:No

Oregon requires payday lenders to offer installment plans. APR capped at 154% for loans under $50,000.

Important: This information is current as of February 2026. State regulations may change. Always verify with your lender and state regulator before signing a loan agreement.

About Payday Loans in Oregon

Oregon requires payday lenders to offer installment plans. APR capped at 154% for loans under $50,000.

Oregon is located in the West region of the United States with a population of 4,237,256.

Key Regulations:

  • Maximum APR: 154%
  • Maximum loan amount: $50,000
  • Maximum term: 60 days
  • Rollovers not allowed
  • Regulated by Oregon Division of Financial Regulation

Regulatory Authority: Oregon Division of Financial Regulation
Official Website: https://dfr.oregon.gov/

Cities in Oregon

Portland

Pop: 652,503

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Eugene

Pop: 176,654

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Salem

Pop: 175,535

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Gresham

Pop: 114,247

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Hillsboro

Pop: 106,894

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Bend

Pop: 102,059

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Medford

Pop: 85,824

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Woodburn

Pop: 27,922

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Frequently Asked Questions – Oregon

Are payday loans legal in Oregon?
Yes, payday loans are legal (regulated) in Oregon. The state is regulated by the Oregon Division of Financial Regulation, which oversees all payday lenders. Oregon requires payday lenders to offer installment plans. APR capped at 154% for loans under $50,000.
What is the maximum payday loan amount in OR?
The maximum payday loan amount in Oregon is $50,000. Finance charges are capped at Varies by lender. Always verify with your lender before applying.
How long do I have to repay a payday loan in Oregon?
In Oregon, payday loans typically have a maximum term of 60 days. Some lenders offer installment loans with longer repayment periods. Check specific lender terms.
Can I have multiple payday loans at once in OR?
Oregon requires payday lenders to offer installment plans. APR capped at 154% for loans under $50,000.
How do I find licensed payday lenders in Oregon?
All payday lenders in Oregon must be licensed by the Oregon Division of Financial Regulation. You can verify a lender's license at https://dfr.oregon.gov/. Only work with licensed lenders to protect yourself.
What documents do I need for a payday loan in OR?
Most Oregon payday lenders require: (1) Valid ID (driver's license or state ID), (2) Proof of income (pay stubs or bank statements), (3) Active checking account, (4) Social Security number, (5) Proof of residence.
What is the typical APR for payday loans in Oregon?
In Oregon, the maximum APR is 154%. Actual APR varies by lender and loan amount. Always review the loan agreement for total cost before signing.
Are there alternatives to payday loans in OR?
Yes. Consider: (1) Credit union loans (often lower rates), (2) Payment plans with creditors, (3) Local assistance programs, (4) Employer cash advances, (5) Friends or family loans. Explore all options before committing to a payday loan.

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Important Legal Notice

This information is current as of January 2026 and is for informational purposes only. Payday loan regulations in Oregon may change. Always verify current regulations with the Oregon Division of Financial Regulation before applying. Credizen is a comparison platform – we do not directly provide loans.

We may earn commission from lenders when you submit a loan request. This does not affect which lenders you're matched with. Learn more in our methodology.

Emergency Financial Help

If you're experiencing financial difficulties, contact your local financial counseling service.

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