Personal loans in Oregon

Consumer lending in Oregon is regulated by the Oregon Division of Financial Regulation. Below are the sourced rules that affect what a lender can charge you, followed by the cities we cover.

Lending rules in Oregon

Payday lending	Permitted and regulated — maximum loan amount: $50,000; maximum loan term: Made for a period of 60 days or less or for which the lender may demand repayment within 60 days. Loan cannot be made for less than 31 days. Finance charges: A payday loan lender may not: (1) Make or renew a payday loan at a rate of interest that exceeds 36% per annum, excluding a one-time origination fee that the payday loan lender may charge for the loan. (2) Charge during the term of a payday loan, including all renewals of the loan, more than one origination fee of $10 per $100 of the loan amount or $30, whichever is less. (4) Charge a consumer a fee or interest other than a fee or interest described in subsection (1) or (2) of this section or in ORS 725A.060 (1)(c) or (d)Source: National Conference of State Legislatures · as of 2023
Small-loan / installment licensing	Consumer lenders must obtain a state license (Yes; if interest rate is greater than 12% per year). Statutory basis: Or. Rev. Stat. §§ 725.010 et seq. Licensing administered through NMLS: Yes.Source: Conference of State Bank Supervisors · as of 2026
Interest rate cap (usury limit)	Usury limit: 9% unless otherwise agreed upon (Or. Rev. Stat. Ann. § 82.010 (2020)). Finance rates and fees for licensed lenders: 36% per annum OR 30 percentage points over the discount window primary credit rate published by the Director. CSBS 50-state survey of consumer finance laws; state-verified usury catalog.Source: Conference of State Bank Supervisors · as of 2026
Consumer lending regulator	Consumer lenders in Oregon are licensed and supervised by the Oregon Division of Financial Regulation.Source: Conference of State Bank Supervisors · as of 2026
Debt collection rules	Third-party debt collectors must comply with the federal Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq.; state consumer-protection and debt-collection enforcement is handled by the Oregon Department of Justice, Office of the Attorney General. The FDCPA expressly authorizes state attorneys general to enforce it (15 U.S.C. § 1692l). Some states also require collection agencies to be licensed.Source: Oregon Department of Justice, Office of the Attorney General · as of 2026
Military lending protections	The federal Military Lending Act (MLA) caps the Military Annual Percentage Rate (MAPR) at 36% for consumer credit extended to active-duty service members, their spouses and certain dependents, and bars mandatory arbitration and prepayment penalties on covered loans. Federal protection that applies nationwide, including in this state.Source: Consumer Financial Protection Bureau · as of 2024
Complaint / licensing lookup	Check whether a lender holds a state license through NMLS Consumer Access (nmlsconsumeraccess.org) or the Oregon Division of Financial Regulation; consumers can file complaints with the Oregon Division of Financial Regulation or the CFPB at consumerfinance.gov/complaint.Source: Nationwide Multistate Licensing System (NMLS) Consumer Access · as of 2026

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Cities in Oregon

Portland Eugene Salem Medford Gresham Bend Hillsboro Beaverton Albany Corvallis Springfield Tigard Aloha Lake Oswego Keizer Grants Pass Oregon City McMinnville Redmond Bethany Tualatin West Linn Wilsonville Woodburn Forest Grove Newberg Roseburg Happy Valley Hayesville Klamath Falls Ashland Milwaukie Sherwood Altamont Hermiston Cedar Mill Central Point Lebanon Canby Oak Grove Pendleton Dallas Four Corners Troutdale The Dalles Coos Bay St. Helens La Grande Oatfield Cornelius Sandy Gladstone Oak Hills Santa Clara Ontario Damascus Monmouth Prineville Cottage Grove Fairview Silverton Newport North Bend Astoria White City Molalla Baker City Independence Sweet Home Rockcreek Lincoln City Eagle Point Bull Mountain River Road Cedar Hills Florence West Haven-Sylvan Sutherlin Hood River Stayton Green Jennings Lodge Scappoose Madras Garden Home-Whitford Umatilla Milton-Freewater Seaside West Slope Raleigh Hills Junction City Brookings Talent Warrenton Deschutes River Woods Creswell Winston Philomath Veneta Tillamook Marlene Village King City Sheridan Roseburg North Crooked River Ranch Phoenix Wood Village Lafayette Estacada Reedsport Metzger Aumsville Beavercreek Tri-City Coquille Boardman Harrisburg Three Rivers Toledo Myrtle Creek Hubbard Mount Angel Jefferson Bandon North Plains Oakridge Dundee Redwood Nyssa Shady Cove Eagle Crest Jacksonville Sisters Sublimity Millersburg Burns Myrtle Point Dayton Warm Springs Gold Beach Gervais Odell Lakeview Lincoln Beach Willamina Bunker Hill La Pine Bay City Turner Juniper Canyon Stanfield Vernonia Mulino Enterprise Carlton Clatskanie Vale Depoe Bay Heceta Beach Culver Banks Durham Cave Junction Rainier Boring Stafford Irrigon Harbor Gearhart Union Keno Brownsville Mill City Canyonville Waldport Amity Columbia City John Day Merlin Dunthorpe Lakeside Barview Chenoweth Rogue River Warren Hines Falls City Rose Lodge Saunders Lake Cascade Locks Sunriver Coburg Elgin Halsey Rockaway Beach Terrebonne Glide New Hope Pacific City Oakland Yamhill Grand Ronde Tangent Cannon Beach Athena Prineville Lake Acres Joseph Lyons Heppner Donald Pilot Rock Ruch Drain Gold Hill Dunes City Island City Riddle Bayshore Maywood Park Adair Village Lowell Yoncalla Williams Mission Dexter Bayside Gardens Glasgow

Personal loans in Oregon

Lending rules in Oregon

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Cities in Oregon

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