✓ Legal & RegulatedReviewed: Aug 2025
OregonLoan Laws & Regulations
Official regulatory reference for borrowers and lenders in Oregon. Includes permitted loan types, APR caps, lender licensing requirements, borrower rights, and government source links.
Max Loan
$5,000
Typical APR
36% APR
Max Term
36 months
Legal Status
36% Cap
Oregon Lending Regulator
The Oregon DFR oversees consumer lending in Oregon, including licensing, enforcement, and consumer complaint resolution. Before borrowing from any lender, verify their license using the official regulator lookup tool linked above.
Regulatory Details
Detailed regulatory data for Oregon is sourced directly from the Oregon DFR. For the most current requirements, visit: https://dfr.oregon.gov/pages/index.aspx
Current Overview
Oregon 36% APR cap lending. Safe personal loans available in Portland, Salem and statewide.
Legal Status: 36% Cap · APR Range: 36% APR · Max Amount: $5,000
Oregon Lending FAQ
Are payday loans legal in Oregon?▼
Yes. Payday loans are legal and regulated in Oregon under the oversight of the Oregon DFR. Current APR range: 36% APR. Maximum loan: $5,000.
What is the maximum payday loan I can get in Oregon?▼
The maximum short-term loan amount in Oregon is $5,000. A $1,000 personal loan for 12 months in OR costs approximately $193 in interest at 36% APR.
Who regulates payday lenders in Oregon?▼
The Oregon DFR is the primary state regulator. You can verify any lender's license at https://dfr.oregon.gov/pages/index.aspx. Unlicensed lenders operating in Oregon are illegal — always verify before borrowing.
What are the alternatives to payday loans in Oregon?▼
Consider credit union PAL (Payday Alternative Loan) programs, licensed personal loan lenders, or non-profit credit counseling services in Oregon.