Loans in Oregon: payday, personal & title loan laws (2026)

In Oregon, payday loans are legal, car title loans are legal, and personal installment loans are available from licensed lenders. Below are the verified rules, local lenders and credit unions for all 36 counties and 69 cities with 10,000+ residents.

Request a payday loan in Oregon

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1 Choose an amount and fill out the form
2 Get matched with a lender in our network
3 Review your offer and get funded, often next business day

Tip: apply on a weekday morning for the best chance of funding by the next business day.

No hard credit inquiry on our end; lenders may check your credit. Not a lender; approval, amount and terms come from the lender. Example: $1,000 over 12 months at 35.99% APR ≈ $100.46/month.

Payday Loans Legal

Payday loans are legal in Oregon from lenders licensed by the Division of Financial Regulation under ORS chapter 725A.

Personal Loans

36% APR (or discount rate plus 30 points) on licensed loans up to $50,000.

Title Loans Legal

Title loans are legal in Oregon from lenders licensed under ORS 725A, with the same 36% interest cap and one-time origination fee as payday loans.

Oregon at a glance

4,254,293

Residents

$83,011

Median household income

724

FDIC bank branches

385

Credit-union branches

Counties in Oregon

Cities in Oregon

Frequently asked questions

Are payday loans legal in Oregon?

Payday loans are legal in Oregon from lenders licensed by the Division of Financial Regulation under ORS chapter 725A. Interest is capped at 36% a year plus a one-time origination fee, and every payday loan must run 31 to 60 days.

How much do payday loans cost in Oregon?

Interest may not exceed 36% a year. A one-time origination fee is also allowed: $10 per $100 borrowed or $30, whichever is less, once for the life of the loan including renewals. No other fees are allowed except listed ones such as the database fee and a returned-payment fee.

How many payday loans can you have at once in Oregon?

Lenders must use a state loan tracking system, and may charge you only what the system's vendor charges them.

Are title loans legal in Oregon?

Title loans are legal in Oregon from lenders licensed under ORS 725A, with the same 36% interest cap and one-time origination fee as payday loans.

What interest can title lenders charge in Oregon?

36% a year, plus a one-time origination fee of $10 per $100 or $30, whichever is less.

Is there a cap on personal loan interest rates in Oregon?

36% APR (or discount rate plus 30 points) on licensed loans up to $50,000.

Do personal loan lenders need a license in Oregon?

Yes. A license is needed to make consumer finance loans of $50,000 or less, or to act as an agent, broker or facilitator for such loans. Unlicensed loans are void.