Oregon Payday Loan Laws and Regulations in (OR)

(last updated 11/13/2019)
Payday loans and cash advances are legal in Oregon. The State of Oregon Consumer Financial Protection has been regulating Payday Loans and Cash Advances since 2010. As of 09/16/2014 there were 63 licensed lenders and 186 licensed locations in Oregon.
The maximum payday loan allowed in Oregon is not specified. The maximum payday loan as a percentage of income is not specified. The number of loans that can be open at one time is no limit. The maximum permissible fees allowed in Oregon is 36% APR interest, $10 per $100 of loan amount as fee, up to $30.. The cooling off or waiting period for obtaining another loan is before or after prior loan expires 7 days. The number of rollovers that are permitted is 2 (renewals). The minimum loan term is 31 days. The maximum loan term is not specified.
This information is for informational purposes only. Although care has been taken to accurately describe the laws and regulations in Oregon, no guarantees are implied or expressed about its accuracy. This is not legal advice. If you need legal advice, please consult an attorney or the State of Oregon Consumer Financial Protection.
The following classes of lending organizations may be exempt from some, all, or none of the regulations and laws set by the state of Oregon. Federally chartered banks, state chartered banks, credit unions and some entities organized under the laws of a sovereign nation (for example) a Native American Tribe or the country of Antigua.

Oregon Payday Lending Regulator (OR)

Regulating Authority
State of Oregon Consumer Financial Protection
350 Winter Street Northeast
PO Box 14480
Salem, OR 97309-0405
(503) 378-4100

Agency for Handling Complaints
Division of Finance and Corporate Securities
PO Box 14480
Salem , OR 97309-0405
(503) 378-4100


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Apply for a Payday Loan in OR
Flag of the State of Oregon With easy access to the plains, mountains, rain forests, and the Pacific Ocean there is no shortage of things to do any time of the year. Vehicle repairs, mold removal, a leaking roof, medicals bills, and so many other things can make you need a little extra money. Financial shortfalls happen to everyone, everywhere. Whether you are helping to keep Portland weird, living the big city life in Salem, or enjoying small town life in Enterprise or Cave Junction, we can help.

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Oregon Payday Lenders (OR) by City

Albany, OR
Beaverton, OR
Bend, OR
Central Point
Coos Bay, OR
Eugene, OR
Forest Grove, OR
Grants Pass, OR
Gresham, OR
Happy Valley
Hillsboro, OR
Keizer, OR
Klamath Falls, OR
La Grande
Lake Oswego
Oregon City
Portland, OR
Redmond, OR
Salem, OR
Springfield, OR
St Helens
The Dalles
West Linn

Oregon Debt Relief, Financial Counseling, and Consumer Credit Information

If you would like to look into the possible benefits of these services, Consumer Credit Counseling Service of the Midwest, Inc. is a leading provider of financial counseling services in Oregon.