Payday loans in Oregon: what the law allows
Yes. Oregon allows payday loans, with a fee limit of one-time 10% origination fee (max $30) plus interest up to 36% per year. Oregon allows car title loans.
Oregon
Payday loans
Allowed
Car title loans
Allowed
- Fee limit
- one-time 10% origination fee (max $30) plus interest up to 36% per year
- Shortest term
- 31 days
- Longest term
- 60 days
- Renewals (rollovers)
- Allowed
“Oregon requires payday loans to be for at least 31 days. The legal limits on payday loans include: A one-time 10 percent loan origination fee, up to a maximum of $30 for a new loan Interest rates are limited to 36 percent annually. The maximum APR (interest and fees) is 153.77 percent No more than two renewals, or roll overs, are allowed on an existing loan. After two renewals, you must pay the loan amount and interest in full The payday or title loan must be for at least 31 days and not longer than 60 days”
Oregon Division of Financial RegulationLook up a lender's license
Checked 2026-09-15. Laws change; confirm with the regulator before you borrow.
Before you borrow
A payment plan, a paycheck advance or a credit union payday alternative loan usually costs less than a payday or title loan.
Compare every option by costAlready behind on a payday loan?
See every way out of the debt you have, including options nobody sells.
Start a Debt CheckRun the numbers
Payday loan calculator
The fee, the APR and what renewing the loan adds up to.
Payday alternative loan (PAL) calculator
Credit union PAL limits, payment and cost next to a payday loan.
Need money now? Every option priced
Every way to cover a shortfall, priced in dollars, cheapest first.
Loan scam checker
The warning signs of a fake loan offer, checked one by one.
Common questions
Are payday loans legal in Oregon?
Yes. Oregon allows payday loans, with a fee limit of one-time 10% origination fee (max $30) plus interest up to 36% per year.
Are car title loans legal in Oregon?
Oregon allows car title loans.
How do I check a lender's license in Oregon?
Look the lender up with Oregon Division of Financial Regulation, which licenses lenders in Oregon.
Do these rules protect service members?
Yes. The Military Lending Act limits payday and car title loans for covered service members to 36%, in every state.
Information, not legal advice. Laws change; confirm with the state regulator.