Loans in Lane County, OR: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lane County, OR.
The median household in Lane County earns $71,544 a year, 14% below the Oregon median of $83,011. About 15% of residents live below the federal poverty line, and 40.3% of households rent their home.
What you need for a payday loan in Lane County
Here's what to have on hand before you start your payday loan request in Lane County:
- 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 Lane County
What Lane County borrowers use it for
the fastest options online
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Lane 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 Lane County
Banks with branches in Lane County
54 FDIC-insured bank branches from 14 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| U.S. Bank National Association | 11 | 29 N 7th St, Cottage Grove 97424 |
| Columbia Bank | 8 | 430 Highway 101, Florence 97439 |
| Banner Bank | 8 | 777 Highway 101, Florence 97439 |
| KeyBank National Association | 6 | 975 Oak St, Eugene 97401 |
| Wells Fargo Bank, National Association | 4 | 1600 Centennial Blvd, Springfield 97477 |
| JPMorgan Chase Bank, National Association | 4 | 5703 Main St, Springfield 97478 |
| Citizens Bank | 2 | 955 Ivy St Ste 1, Junction City 97448 |
| Oregon Pacific Banking Company dba Oregon Pacific Bank | 2 | 1355 Highway 101, Florence 97439 |
| First Interstate Bank | 2 | 899 Pearl St, Eugene 97401 |
| WaFd Bank | 2 | 101 E Broadway, Eugene 97401 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Lane County
40 credit-union locations from 13 credit unions.
| Credit union | Location |
|---|---|
| First Technology | 48283 E 1St St, Oakridge 97463 |
| Emerald Empire | 850 Beltline Rd, Springfield 97477 |
| Pentagon | 400 Country Club Rd, Eugene 97401 |
| Onpoint Community | 207 Coburg Rd Ste 101, Eugene 97401 |
| Oregon Community | 2880 Chad Dr, Eugene 97408 |
| Peak | 600 E Jefferson Ave, Cottage Grove 97424 |
| Selco Community | 299 E 11Th Ave, Eugene 97401 |
| First Community | 2077 Highway 101, Florence 97439 |
| Marion And Polk Schools | 2921 Crescent Ave, Eugene 97408 |
| Central Willamette | 74 Centennial Loop # A, Eugene 97401 |
| Pacific Cascade | 1075 Oak St, Eugene 97401 |
| Gateway | 3030 Gateway Loop, Springfield 97477 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Lane County
All Oregon counties and cities
Frequently asked questions
Are payday loans legal in Lane County?
Lane 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 Lane 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 Lane County?
Options include 54 bank and 40 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 Lane County?
Fill out our short online form from anywhere in Lane 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 Lane County?
Yes. When an unexpected bill comes up, Lane 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 Lane County with bad credit?
Yes, many lenders in our network work with Lane 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 apply for a loan online in Lane County?
Yes. You don't need to visit a branch or storefront anywhere in Lane County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Oregon. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Where can I get a loan in Lane County, OR?
You can apply at banks, credit unions and lenders in Lane 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.