Loans in Umatilla County, OR: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Umatilla County, OR.
The median household in Umatilla County earns $67,728 a year, 18% below the Oregon median of $83,011. About 12% of residents live below the federal poverty line, and 32.1% of households rent their home.
What you need for a payday loan in Umatilla County
Lenders that serve Umatilla County typically ask for the following:
- 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 Umatilla County
What Umatilla County borrowers use it for
deposits, trucks and first-week expenses
Emergencieshandle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Umatilla 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 Umatilla County
Banks with branches in Umatilla County
14 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Banner Bank | 4 | 101 E Main St, Hermiston 97838 |
| Bank of Eastern Oregon | 3 | 310 Main St, Athena 97813 |
| U.S. Bank National Association | 2 | 245 Se 2nd St, Hermiston 97838 |
| WaFd Bank | 2 | 215 N Columbia St, Milton-Freewater 97862 |
| Columbia Bank | 2 | 2101 Sw Court Place, Pendleton 97801 |
| BMO Bank National Association | 1 | 416 Sw 20th St, Pendleton 97801 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Umatilla County
11 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Spokane Teachers | 50 E Theater Ln, Hermiston 97838 |
| Hapo Community | 1905 N 1St St, Hermiston 97838 |
| First Community | 705 Sw Emigrant Ave, Pendleton 97801 |
| Old West | 301 S Main St, Pendleton 97801 |
| Umatilla County | 911 Sw Dorion Ave, Pendleton 97801 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Umatilla County
All Oregon counties and cities
Frequently asked questions
Are payday loans legal in Umatilla County?
Umatilla 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 Umatilla 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 Umatilla County?
Options include 14 bank and 11 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 Umatilla County?
Fill out our short online form from anywhere in Umatilla 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 a loan in Umatilla 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. Umatilla County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Umatilla County, OR?
You can apply at banks, credit unions and lenders in Umatilla 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.
Can I get a loan in Umatilla County with bad credit?
Yes, many lenders in our network work with Umatilla 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 Umatilla County?
Yes. You don't need to visit a branch or storefront anywhere in Umatilla 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.