Loans in Benton County, OR: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Benton County, OR.
The median household in Benton County earns $77,702 a year, 6% below the Oregon median of $83,011. About 18% of residents live below the federal poverty line, and 43.1% of households rent their home.
What you need for a payday loan in Benton County
Most Benton County applicants can finish in one sitting if they have these ready:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Benton County
What Benton County borrowers use it for
deposits, trucks and first-week expenses
Need money nowthe fastest options online
Rent duecover a short gap before payday
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Benton County
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.
Banks and credit unions in Benton County
Banks with branches in Benton County
15 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Citizens Bank | 3 | 275 Sw 3rd St, Corvallis 97333 |
| U.S. Bank National Association | 3 | 2600 Nw 9th St, Corvallis 97330 |
| Columbia Bank | 2 | 415 Nw 3rd St, Corvallis 97330 |
| Wells Fargo Bank, National Association | 2 | 235 Nw Monroe Ave, Corvallis 97330 |
| JPMorgan Chase Bank, National Association | 2 | 2055 Nw Circle Blvd, Corvallis 97330 |
| Bank of America, National Association | 1 | 324 Sw 3rd St, Corvallis 97333 |
| WaFd Bank | 1 | 1111 Nw 9th St, Corvallis 97330 |
| KeyBank National Association | 1 | 1817 Nw 9th St, Corvallis 97330 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Benton County
13 credit-union locations from 6 credit unions.
| Credit union | Location |
|---|---|
| First Technology | 1044 Ne Circle Blvd, Corvallis 97330 |
| Onpoint Community | 777 Nw Kings Blvd, Corvallis 97330 |
| Oregon Community | 840 Nw 9Th St, Corvallis 97330 |
| Oregon State | 1980 Nw 9Th St, Corvallis 97330 |
| Central Willamette | 555 Ne Circle Blvd, Corvallis 97330 |
| Benton County Schools | 2101 Nw Professional Dr, Corvallis 97330 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Benton County
All Oregon counties and cities
Frequently asked questions
Are payday loans legal in Benton County?
Benton County follows Oregon law. Payday loans are legal in Oregon from lenders licensed by the Division of Financial Regulation under ORS chapter 725A.
Are title loans legal in Benton County?
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.
Where can I get a small loan in Benton County?
Options include 15 bank and 13 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Benton County?
Fill out our short online form from anywhere in Benton County. We share it with lenders in our network that serve Oregon; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I get an emergency loan in Benton County?
Yes. When an unexpected bill comes up, Benton County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.
Can I get a loan in Benton County with bad credit?
Yes, many lenders in our network work with Benton County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.
Can I get a loan in Benton County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Benton County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Benton County, OR?
You can apply at banks, credit unions and lenders in Benton County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Oregon residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.