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Online Payday Loans in Oregon
Payday lenders and title lenders are allowed to do business in Oregon State as long as they abide by the rules.
There are multiple storefront lenders giving out cash loans in many cities like Salem, and Portland, Oregon. Numerous lenders are also giving out loans online.
Find out more about your cash advance options in this fast-growing industry in this article.
The Advantages of Online Oregon Loans
Quick Facts About Oregon Payday Loans
Most people rush to take payday loans and come to know of their terms later. Keep the following points in mind as you shop for the right payday loan:
- A payday loan should be up to 25% of a borrower’s net monthly income (up to $60,000)
- Technically, the maximum amount of a payday loan in Oregon can be a whopping $50,000
- Oregon requires payday loans to have a minimum 31 days term, instead of the typical 7-14 day payday loan repayment cycle.
- There is a restriction of 36% APR interest
- APR for a $100 loan given for 31 days should not be more than 154%
Oregon laws have placed no limitations on the number of payday loans a person can take. Still, there needs to be a cooling-off period of 7 days between 2 consecutive loans. Rollovers are only allowed twice.
Just like the majority of the states, Oregon lenders are forbidden from taking any criminal action against borrowers.
Civil trials are legal so a lender may choose to go down that road in case of loan defaulters. An NSF fee of $20 is charged, along with other bank charges.
Oregon Payday Loan Regulations
| Legal Status | Legal |
| Interest Rate (APR) | 154% |
| Max. Loan Amount | $50,000 |
| Min. Loan Term | 31 days |
| Max. Loan Term | 60 days |
| Number of Rollovers | 2 |
| Statute of Limitations | 6 years |
| Database Tracking | No |
Lenders in Oregon
You can find lenders that offer payday loans in Salem, Oregon, Portland, and more. Here are a complete list:
- Albany
- Baker City
- Eugene
- Madras
- Lebanon
- Milton Freewater
- Keizer
- Medford
- Newport
- Salem
- Springfield
Get the Loan You Need
An online personal loan can help when you need cash for large purchases or unplanned expenses.
Where Can I Get a Loan in OR?
There are many lenders that provides loans in Oregon, including:
Why Compare Personal Loans at Financer.com
Compare Oregon Loans at Financer.com
Financer.com helps you compare the best personal loans in Oregon and get the best loan rates from leading lenders.
We look for lenders that offer full transparency and have a long track record of successful lending and satisfied customers. We are always improving our comparisons, but are confident in what we can bring to market, and we know you will be as well.
Use our free loan comparison tool to find the right personal loan in Oregon and take the guesswork out of doing all the legwork yourself.
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Loans in Oregon - FAQs
How much does a loan in Oregon cost?
Are payday loans legal in OR?
Yes, payday loans are allowed in Oregon. Loans are capped at $50,000 and a payday loan should not make up more than 25% of a borrower's salary.
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