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Payday Loan Rules in Oregon
Reformed / low-rate payday
| Maximum amount | Statute permits payday loans up to $50,000, though product is short-term by definition |
|---|---|
| Loan term | 31–60 days |
| Rate / fee rule | Interest ≤36% APR + one origination fee ≤$10 per $100 or $30, whichever is less |
| Regulatory basis | Or. Rev. Stat. §725A.101 et seq. |
Key Rules
- Only one origination fee during loan/renewals
- no unauthorized extra fees
Alternative Loan Options in Oregon
- Credit-union PAL
- bank small-dollar loan
- licensed installment/personal loan
Regulatory reference: review the cited regulator or statute summary. State rules can change; confirm current terms before borrowing.
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