Personal loans in Oregon
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
Oregon personal loan rules at a glance
| Governing law | Oregon Consumer Finance Act, covering loans or lines of credit with periodic payments and terms longer than 60 days. (ORS chapter 725; ORS 725.010(2)) |
|---|---|
| Rate cap | The finance charge, as an APR, may not exceed the greater of 36% or 30 percentage points above the Federal Reserve discount window primary credit rate, set each January. Other reasonable bona fide fees such as late fees are allowed under Division oversight. (ORS 725.340(1)) |
| License required | 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. (ORS 725.045(1)) |
| Loan sizes covered | Consumer finance loans of $50,000 or less. (ORS 725.045(1)) |
Bad credit loans in Oregon
Bad credit doesn't automatically rule you out in Oregon. Many lenders in our network look at your income and bank activity, not just your score, and offer personal installment loans of $500 to $5,000 to borrowers with fair or poor credit. Rates are higher than prime offers, so compare the monthly payment and total cost before you accept. More on bad-credit loans.
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Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Rate cap |
|---|---|
| California | Under $2,500: tiered 12%-30%/yr. |
| Idaho | No rate cap; licensed lenders may charge any rate agreed in the contract. |
| Nevada | No general rate cap; loans above 40% APR need a 604A high-interest license. |
| Washington | 25% simple annual interest cap plus up to 4% origination fee (Consumer Loan Act). |
Personal Loans by city in Oregon
Counties in Oregon
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Also see: Payday Loans in Oregon · Title Loans in Oregon · All Oregon loan options
Frequently asked questions
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.
Can I get a personal loan with bad credit in Oregon?
Yes, some lenders in our network work with fair or bad credit, but approval is not guaranteed and rates are higher. Licensed lenders in Oregon must follow the state's consumer-lending rules shown above; tribal and bank-partner lenders may follow different rules, so compare the APR on every offer.
Can I get a personal loan in Oregon with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Oregon residents can see if they qualify for $100 to $5,000 in about 3 minutes.
What credit score do I need for a personal loan in Oregon?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Oregon with our free 3-minute form.
Where can I find a loan for bad credit in Oregon?
You can apply at local banks and lenders in Oregon, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
How can I get an emergency loan in Oregon?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.