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Payday Loans in Oregon — Laws, Limits & Online Lenders

Compare licensed payday lenders in Oregon. One application, multiple offers, no credit impact.

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2 Compare Offers
3 Get Funded

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Oregon Payday Loan Laws at a Glance

Max Loan Amount $50,000
Max APR 36%
Max Term 60 days minimum
Rollovers Prohibited
Cooling-Off Period None
Governing Statute Or. Rev. Stat. § 725A
Note: 36% APR cap + $10/month fee cap. Very restrictive.

How to Get a Payday Loan in Oregon

Getting a payday loan in Oregon is straightforward. Fill out the form above with your basic information — name, address, income, and bank account details. Our network of Oregon-licensed lenders reviews your application and presents offers based on your profile.

You compare terms, choose the offer that works best for you, and funds are deposited directly into your bank account — often the same day or next business day.

Requirements for Oregon Borrowers

  • Must be 18 years or older (resident of Oregon)
  • Active checking account
  • Regular source of income
  • Valid government-issued ID
  • Not active-duty military

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What to Know Before Borrowing in Oregon

Under Or. Rev. Stat. § 725A, payday lenders in Oregon may charge up to the state maximum on qualifying loans. Make sure you understand the total repayment amount before accepting any offer. If you cannot repay on time, contact your lender immediately — Oregon may require lenders to offer an extended payment plan.

For more information on payday loan regulations across all states, see our Oregon and other state payday loan laws.

Payday Loans by City in Oregon

Select your city for local payday loan information, lender options, and Oregon regulations that apply to your area.

Portland Salem Eugene Springfield Gresham Hillsboro Bend Beaverton Medford Corvallis

Oregon Payday Loan FAQ

Are payday loans legal in Oregon?

Yes. Payday loans are legal in Oregon under Or. Rev. Stat. § 725A. Lenders must be licensed by the state banking regulator.

How much can I borrow in Oregon?

The maximum payday loan amount in Oregon is $50,000. Your actual loan amount depends on your income and the lender's assessment.

What is the maximum APR in Oregon?

The maximum APR for payday loans in Oregon is approximately 36%. Actual rates vary by lender within this limit.

Can I roll over a payday loan in Oregon?

Prohibited

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