Car title loans in Oregon
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
Oregon title loan rules at a glance
| Governing law | A title loan is a loan of up to $50,000 secured by a vehicle, RV, boat or mobile home title, with a term of no more than 60 days and a single repayment. Title lenders must be licensed. (ORS 725A.010, 725A.020) |
|---|---|
| Rate / fee cap | 36% a year, plus a one-time origination fee of $10 per $100 or $30, whichever is less. (ORS 725A.062(1)-(2)) |
| Maximum term | At least 31 days and no more than 60 days. (ORS 725A.062(3); ORS 725A.010) |
| Renewals | No more than two renewals. Only one outstanding title loan per title, and no new title loan within 7 days after repaying a previous one. The lender must form a good-faith belief that you can repay. (ORS 725A.062(4), (8)-(10)) |
| Repossession notice / right to cure | The contract may not let interest keep running after the vehicle is repossessed. The lender may not require or accept your keys. (ORS 725A.062(6)(e), (7)) |
Title loans online in Oregon
You can start a Oregon title loan online: fill out the short form, then the lender values your vehicle from its details and photos or a quick inspection. You keep driving your car while you repay, and the lien is released when the loan is paid off. How online title loans work.
Estimate a title loan
Title loan calculator
Many title lenders lend 25%–50% of a vehicle's value, and you keep driving your car. Estimate only; your lender shows exact terms.
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Status | Max loan |
|---|---|---|
| California | Legal | — |
| Idaho | Legal | The loan, together with other title loans from the same lender on that vehicle, may not exceed the vehicle's retail… |
| Nevada | Legal | A title loan may not exceed the fair market value of the vehicle. |
| Washington | Not available | — |
Title Loans by city in Oregon
Counties in Oregon
Show all 36 counties
Also see: Payday Loans in Oregon · Personal Loans in Oregon · All Oregon loan options
Frequently asked questions
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.
When can a title lender repossess my car in Oregon?
The contract may not let interest keep running after the vehicle is repossessed. The lender may not require or accept your keys.
Can I refinance my title loan in Oregon?
Often, yes. Some lenders let you refinance an existing title loan into a new loan with a different payment amount or term, and a new lender may be able to pay off your current one. Options depend on your vehicle's value, your income and Oregon rules. Enter your details on our form to see what lenders in our network can offer you. It takes about 3 minutes.
What do I need for a title loan in Oregon?
Most lenders ask for a vehicle title in your name, ideally free of other liens, a valid government-issued ID, proof of income, proof of residence in Oregon, and the vehicle itself for photos or a quick inspection. Some lenders also ask for proof of insurance or a spare key. Requirements vary by lender. Start our 3-minute form to see what lenders need from you.
Can I get a title loan on a financed car in Oregon?
Sometimes. If you still owe money on your car, some lenders may approve a title loan based on your equity, meaning the car's value minus what you owe. Others require a title that's fully paid off and in your name. Because policies vary, enter your vehicle and current loan details on our form, and lenders serving Oregon will tell you what they can offer.
Can I get a title loan online in Oregon?
Yes. Many title lenders let you start and complete most of the process online. You enter your vehicle and income details, then upload photos of your car, title and ID instead of visiting a store. Some lenders may still ask for a quick in-person inspection. Funds are usually sent to your bank account. Start your Oregon title loan request in about 3 minutes.