1,499 · Guides · August 27, 2026
Oregon offer profiles
Checked loan services for Oregon
15 offers are listed for Oregon. The available GEO lists no exclusion for Oregon.
A marketplace may accept a ZIP code but still fail to find a licensed lender or suitable product. Confirm the legal creditor or facilitator, Oregon authority, APR, origination fee, due date, renewal history, seven-day gap and no-upfront-fee policy.
YourPayDay
Advertising-referral service
- Disclosed amount
- $100–$5,000
- Cost disclosure
- Cash advance 200%–1,386%; installment 6.63%–225% in the service disclosure
State availability
LendYou
Advertising-referral service
- Disclosed amount
- $100–$35,000
- Cost disclosure
- Cash advance 200%–1,386%; installment 6.63%–485%; personal 4.99%–450%
State availability
VitaPayday
Advertising-referral service
- Disclosed amount
- $100–$5,000
- Cost disclosure
- Cash advance 200%–1,386%; installment 6.63%–225% in the service disclosure
State availability
PayDayMark
Advertising-referral service
- Disclosed amount
- $100–$5,000
- Cost disclosure
- Cash advance 200%–1,386%; installment 6.63%–225%; generic personal-loan wording 5.99%–35.99%
State availability
ItsFunded
Paid lead-generation marketplace
- Disclosed amount
- $500–$5,000
- Cost disclosure
- Set by the participating lender; no representative APR published
State availability
247FastFunds
Marketplace / lead-generation service
- Disclosed amount
- $100–$5,000
- Cost disclosure
- Set by the participating lender; no representative range verified on accessible pages
State availability
Wizzay
Paid lead-generation marketplace
- Disclosed amount
- $100–$5,000
- Cost disclosure
- 35.99% or below stated for qualified consumers; provider controls actual terms
State availability
Cash Request Online
Paid lender-connection marketplace
- Disclosed amount
- $100–$5,000
- Cost disclosure
- Set by the matched lender; no representative range in reviewed archived pages
State availability
Get Funds ASAP
Paid lender-connection marketplace
- Disclosed amount
- $100–$5,000
- Cost disclosure
- Set by the matched lender; no representative range in archived disclosures
State availability
Money Aids
Paid lender-connection service
- Disclosed amount
- $100–$5,000
- Cost disclosure
- Set by the matched lender; no representative range in archived disclosures
State availability
PayZonno
Paid lender-connection marketplace
- Disclosed amount
- $100–$5,000
- Cost disclosure
- Set by the matched lender; no representative range in archived disclosures
State availability
My Credit Advance
Paid lender-connection marketplace historically operated by Napayshni LLC
- Disclosed amount
- $100–$5,000
- Cost disclosure
- Set by the matched lender; no representative range in reviewed archived disclosures
State availability
Prime Time Advance
Paid lender-connection marketplace historically operated by Napayshni LLC
- Disclosed amount
- $100–$5,000
- Cost disclosure
- Set by the matched lender; no representative range in reviewed archived disclosures
State availability
FastMoneySource
Paid lead generator and aggregator
- Disclosed amount
- $100–$50,000
- Cost disclosure
- Set by the purchaser or lender; no representative APR range published
State availability
Honest Loans
Paid lead generator and aggregator
- Disclosed amount
- $100–$50,000
- Cost disclosure
- Set by the purchaser or lender; no representative APR range published
State availability
Available GEO checked August 27, 2026. ✅ and ❌ reflect the supplied affiliate-program state list, not approval, funding, legal authorization or statewide lender coverage. Review and destination links remain available for verification.
Oregon payday-loan rules: the direct answer
As of August 27, 2026, Oregon permits payday loans from a lender licensed by the Division of Financial Regulation (DFR). Oregon calls the product a payday loan, cash advance or check loan, but the label on a comparison page does not establish compliance. A lawful payday loan must run at least 31 days and no longer than 60 days. The lender must provide a written agreement that explains the fee, annual percentage rate (APR), due dates and what happens after a late payment or default.
The legal interest rate is capped at 36% per year, and a new loan can carry one origination fee of 10% of the amount financed, up to $30. DFR calculates a maximum APR of 153.77% when the highest rate and maximum fee are used. Oregon permits no more than two renewals of an existing payday loan; after the second renewal, the loan and interest must be paid in full. These limits describe legality, not affordability.
DFR licensing for lenders, brokers and online services
All payday and title lenders, including online providers, must be licensed by Oregon. The licensing requirement also reaches agents, brokers and facilitators that arrange the loan. New payday and title lenders apply through the Nationwide Multistate Licensing System (NMLS), and licensees file an annual report with DFR. Use the state’s licensed-lender list or ask DFR to confirm the exact legal entity before entering financial information.
A matching brand may only be an intermediary. Request the creditor’s full legal name, Oregon license, physical or mailing address, payment processor, governing law, amount financed and all mandatory charges. Save the advertisement, rate quote, privacy notice, consent screens and final agreement. If the final creditor differs from the site that collected the application, compare both entities with DFR’s records instead of assuming the lead generator is licensed as a lender.
Oregon currently has only a few legal online payday lenders, according to DFR’s consumer guidance. An out-of-state address, a copied license image or a tribal-sovereignty statement is not proof of Oregon authority. DFR notes that Oregon tribes are not currently involved in payday or title lending, but any tribal claim should still be checked with the proper regulator and federal agencies before a borrower shares bank credentials.
36% interest, the $30 origination fee and APR math
Oregon limits interest on a payday loan to 36% per annum. The lender may charge one origination fee of $10 per $100 borrowed, capped at $30 for a new loan. No additional fee or interest may be added simply because the lender calls it a verification, instant-funding, membership or document charge. Ask for the amount deposited, the finance charge, total repayment and exact due date in dollars, not only the rate displayed in an advertisement.
A short term makes an allowed rate look very different when annualized. DFR’s example puts the maximum APR at 153.77% when the 36% interest limit and the maximum origination fee are combined. Recalculate the contract using the days outstanding and the full amount you must repay. If the provider shows a lower “starting APR,” check whether the quoted fee, transfer speed or optional product changes the actual cost for your application.
Oregon’s written agreement should state the fees, percentage rate, due dates and collection steps for delay or default. Review whether the contract attempts to make you waive legal claims, authorize wage garnishment or sign a confession of judgment. Oregon statutes restrict those provisions in payday-loan contracts. Keep a PDF or screenshot of every version because online terms can change between application and funding.
31-to-60-day term, renewals and the seven-day gap
A payday loan may not be made or renewed for less than 31 days or more than 60 days. Mark the maturity date on a calendar and compare it with your next two paychecks. A loan that is presented as a “two-week advance” is not an Oregon-compliant payday product unless the final agreement actually provides the statutory minimum term. Do not rely on a text message that omits the legal due date.
Oregon allows no more than two renewals, or rollovers, of an existing payday loan. A renewal can keep the debt outstanding while adding more time for interest to accrue, even though the origination-fee ceiling remains a single fee for the new loan. After two renewals, the borrower must pay the loan amount and interest in full. Ask the lender to identify whether an offer is a renewal, a refinance or a new agreement.
A new payday loan generally cannot be made until seven days have passed after the previous loan expires or is fully paid, subject to the statutory wording. An affiliate application or a different URL should not be used to bypass that waiting period. If the lender encourages repeated applications during the gap, save the messages and ask DFR whether the conduct fits the licensed product rules.
Upfront-fee ban, payment controls and safer decisions
Oregon DFR warns consumers not to send an upfront fee to receive a payday loan. A request for a prepaid card, wire transfer, cryptocurrency or “proof of financial stability” before funding is a classic advance-fee signal. A lender or referral service that needs money before showing a written agreement should be stopped and reported rather than paid. Protect the bank account and Social Security number until the legal creditor is verified.
Referral services are not lenders, and DFR says there are currently no licensed loan-referral services in Oregon. A referral page can still transmit your information to a lender, but it may not be authorized to charge a fee or promise approval. Ask who receives the data, how long consent lasts and whether the matched lender is on Oregon’s license list. A “guaranteed match” is marketing, not a state finding.
Before accepting a legal offer, compare the payment with rent, utilities, food, transportation and existing debt. Oregon’s 36% ceiling and 153.77% maximum APR do not make a payday loan suitable for a recurring shortfall. Consider a credit-union small-dollar loan, employer advance, nonprofit emergency assistance or a negotiated bill extension. If the need repeats, a counselor or community program may address the cause more safely than another rollover.
Default, prohibited conduct and complaints
If a borrower is late, the agreement should explain the permitted collection steps and any authorized default amount. A caller who claims that a failed payment is a criminal case, demands an immediate gift card or refuses to identify the creditor is a warning sign. Keep call logs, voicemails, bank statements, payment confirmations and the original agreement. Contact the bank promptly if an unauthorized debit appears.
DFR investigates complaints about licensed payday and title lenders and provides consumer help and license-check resources. Try to resolve a billing error with the lender in writing, then send DFR copies rather than originals with a dated chronology. Complaints about a national bank, federal credit union or tribal entity may belong with a different regulator, so identify the legal creditor and servicer before filing.
Oregon borrower checklist
A useful Oregon comparison shows the creditor, license, 36% rate, $30 fee ceiling, 31-to-60-day term and renewal count together. Treat each offer as a proposal to verify, and keep the final contract so a later servicer or affiliate cannot quietly change the amount, due date or payment authorization.
- Verify the lender, broker or facilitator in Oregon DFR records; online providers also need Oregon authority.
- Confirm the term is 31–60 days, interest is no more than 36% annually and the one-time origination fee is 10% up to $30.
- Calculate the total dollars due and maximum APR, including every mandatory charge, transfer fee and payment attempt.
- Record the original due date, renewal count and seven-day gap before any new payday loan; do not let an affiliate reset the timeline.
- Refuse upfront fees, copied license images, guaranteed approvals and requests for gift cards, crypto or remote access.
- If repayment is difficult, request a written payoff and contact DFR with the agreement, advertisements, bank records and collection timeline.
Oregon payday-loan FAQ
- Question 1Are payday loans legal in Oregon?
- Answer
Yes, when made by a lender licensed by Oregon’s Division of Financial Regulation and structured within the state’s payday-loan rules. The same licensing framework reaches online lenders, brokers, agents and facilitators.
- Question 2How much can an Oregon payday lender charge?
- Answer
Interest is limited to 36% per year. A new loan may include one origination fee of 10% of the amount financed, capped at $30. DFR lists a maximum APR of 153.77% when both limits are used.
- Question 3How long can an Oregon payday loan last?
- Answer
The original loan or renewal must be at least 31 days and no longer than 60 days. A two-week payday product does not fit Oregon’s payday-loan term rule.
- Question 4How many times can an Oregon payday loan be renewed?
- Answer
An existing payday loan may be renewed no more than two times. After the second renewal, the borrower must pay the loan amount and interest in full, and a new loan generally requires a seven-day gap after the previous loan expires or is paid.
- Question 5Can an Oregon payday lender demand an upfront fee?
- Answer
No. DFR warns consumers not to send upfront fees to obtain a payday loan. Verify the lender’s license and report requests for prepaid cards, wires, cryptocurrency or other release payments.