Oregon permits short-term loans but caps interest at 36% APR and limits the origination fee to $10 per $100 (max $30), while restricting terms and renewals. These limits substantially reduce the cost compared with unregulated payday lending. Borrowers should still treat these loans as short-term solutions.
Key limits in Oregon
- Cost note: 36% APR cap plus limited origination fee
Figures can change — always confirm current limits with the official source below before borrowing.
Source: Consumer Federation of America (paydayloaninfo.org) · last verified 2026-07-24 · pending second-source verification
This page is general information, not legal or financial advice. State laws change; verify current rules with your state regulator or the source above.