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Loans in Oregon (OR)

Payday Loans in Oregon (OR)

You could get in a lot of trouble if you don’t get informed properly before applying for a loan – of course, any type of loan applies here. However, today we’ll be talking about payday loans. These represent a fast way for someone to get a paycheck before the end of the month.

Payday Loans Oregon

That’s why they are known as emergency loans. One would usually rely on them if there’s an emergency that has to be dealt with or any other problems that have to be solved in a matter of days.

But, not knowing what these payday loans imply can prove harmful to your financial situation. That’s why we will tell you everything you have to know about payday loans in Oregon – so that you won’t go from having one problem to having more.

Introducing Online Oregon Payday Loans

Oregon is yet another state that doesn’t let lenders go rampage and drain the funds of the people that borrow money from them. The 54 Oregon Revised Statature 725A.010 et seq. governs the payday loans and sets certain terms that have to be respected.

For example, a lender may not charge you a rate higher than 36% interest and the loan terms can last only from 31 to 60 days. Moreover, you will be charged a single orientation fee, that’s set on a value of $10 for $100 loaned, up to $300.

When it comes to the Annual Percentage Rate (APR), a $100 loan on a term of 31 days cannot have its APR higher than 154%.

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When it comes to the number of active loans at once, there is no limit. Basically, you can apply to as many loans as you wish to – which is, clearly, not recommended. However, it is important to remember that the laws of Oregon don’t require lenders to provide you with a repayment plan.

This means that you might be required to pay off your loan in full if you fail to pay it after your renewals – you are allowed to make only two renewals on your payday loans.

For payday loans in OR, the maximum amount that you can borrow is of $50,000. This amount can only be used for family, household, or personal expenses. On the other hand, if you have an income of less than $60,000 a year, you can borrow only up to 25% of your net monthly income.

Alternatives to Payday Loans in Oregon

As most states out there, Oregon has some organizations established, which are ready to help you in need. For example, you can always rely on the Supplemental Nutrition Assistance Program, the Temporary Assistance to Needy Families, or Oregon HEAT if you have problems with your bills.

The members of these organizations will help you manage your monthly income better so that you won’t need a payday loan anymore. Moreover, you could always ask your friends or your family to help with some of your payments.

You can also set the ground for some negotiations with your creditors – a successful negotiation could lower your monthly payments, making it easier for you to deal with other expenses.

Installment loans Oregon

Personal loans in Oregon are flexible financial solutions for subprime borrowers. These 24 month loans go up to $3000 and can be repaid in installments. Bad credit is OK. Easy Approval Installment Loans For Portland - Oregon From Direct Lenders. You can request a loan here.

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Short-term loans represent a type of emergency borrowing meant to help you with immediate financial issues. They can only become pricey products once you use them for long-term purposes.‘s operator and owner is not a lender, so he isn’t involved in making credit decisions that include lending and making loan offers. This website actually works as a matching service, helping you contact with lenders and third parties. You are not charged any fee for our service. Moreover, you are not forced to initiate contact with any lender or third party or accept any of their offers.


The data that is presented on our website regarding short-term loans and the industry is here for information purposes only. We do not uphold a particular lender, and we’re not responsible for a lender’s actions or inactions. Moreover, doesn’t collect or store your data concerning fees and charges associated with the lenders. Basically, we don’t have access to this data in the first place.


Not every state approves of short-term loans. Also, not every lender in our network is able to provide loans of up to $1,000. We don’t guarantee that a consumer will get approval for any loan product or lender or will be matched with a lender. If matched, it doesn’t mean he/she will receive the requested short-term loan.


In addition, a lender may want to do a credit verification. This takes place to ensure that you have a reliable credit, and to determine the scopes of credit products to offer. Additional verification may be needed, including your driving license number, social security number, national ID or other documents that help with identification. Keep in mind that scopes vary from one lender to another based on various factors. These factors include the terms determined by each lender and credit standing of the applicant.


APR Representative

Annual Percentage Rate, or APR, is the loan rate that’s calculated for the annual term. Considering isn’t a lender and doesn’t own information about any detail of short-term loans offered by individual lenders, they can’t estimate the APR. So, the APR provided won’t be the exact one charged by any of the loan products lenders offer.


APRs are very different from one lender to another, one state to another and they depend on various factors, including the credit standing of an applicant. There may be additional charges associated with the loan offer. Some of these charges include late payment, late payment reporting, non-payment penalties, and debt collection actions.


These actions have nothing to do with our website. Moreover, we do not have any information about actions taken by the lenders. The financial and non-financial charges and actions can be disclosed in a particular agreement in a clean manner.


The APR is calculated as the annual charge, and it’s not a financial charge for a short-term loan.


Late Payment Implications

If something happens and you won’t be able to repay a loan on time, it is recommended you contact the lender. Once this happens, late payment charges and fees may be applied. Federal and state regulations may vary from one case to another, and they are determined for late payment cases. Information regarding costs and procedures when it comes to late payment should be discussed before signing any related document. So, make sure you review these with your lender, and they will be disclosed in the loan agreement.


Non-payment Implications

If you don’t pay a loan or miss the payment, there may be some financial and non-financial penalties. Any financial charges or fees in case of late payments should be disclosed in the loan agreement. Other actions related to non-payment, renewals, for instance, may be implied upon given consent. Renewal terms are going to be disclosed in each loan agreement individually. Keep in mind that renewal may also come with additional fees and charges.


Debt collection practices and any similar procedure will possibly be performed. Any action related to these practices is adjusted to the Fair Debt Collection Practices Act regulations. It is also adjusted to other applicable state and federal laws to ensure the consumers’ protection against negative borrowing and unfair lending experiences. Most lenders don’t refer to outside collection agencies. They will rather collect the debt through in-house means.


Late payment and non-payment may significantly impact a borrowers’ credit score and decrease it. Lenders may report these bad experiences to credit bureaus, including Transunion, Equifax, and Experian. If this happens, the consequences of late payment or non-payment will stay in a borrower’s credit reports for a certain amount of time.