Payday & Title Loans in Oregon

Lending rules in Oregon

Rules marked "medium confidence" were checked against a published copy of the statute because the official site was unavailable to us. Confirm them with the official text before relying on them.

Payday loans (deferred presentment)

• A person may not conduct business as a payday loan lender or a title loan lender without a license from the Director of Consumer and Business Services, and a loan made without a license is void. Source: ORS 725A.020(1)-(2) · verified Oct 9, 2026 · medium confidence
• A payday loan lender may not charge interest above 36 percent a year, excluding one origination fee. Source: ORS 725A.064(1) · verified Oct 9, 2026 · medium confidence
• Over the whole term of a payday loan, including renewals, the lender may charge one origination fee of at most $10 per $100 borrowed or $30, whichever is less. Source: ORS 725A.064(2) · verified Oct 9, 2026 · medium confidence
• A payday loan must have a term of at least 31 days. Source: ORS 725A.064(3) · verified Oct 9, 2026 · medium confidence
• A payday loan lender may not renew an existing payday loan more than two times. Source: ORS 725A.064(6) · verified Oct 9, 2026 · medium confidence
• A payday loan lender may not make a new payday loan to a consumer within seven days after the consumer fully repays a previous one. Source: ORS 725A.064(7) · verified Oct 9, 2026 · medium confidence

Title loans

• A title loan lender may not charge interest above 36 percent a year, excluding one origination fee of at most $10 per $100 or $30. Source: ORS 725A.062(1)-(2) · verified Oct 9, 2026 · medium confidence
• A title loan must have a term of at least 31 days. Source: ORS 725A.062(3) · verified Oct 9, 2026 · medium confidence
• A title loan lender may not make or renew a title loan without forming a good faith belief that the consumer can repay it. Source: ORS 725A.062(4) · verified Oct 9, 2026 · medium confidence

Lenders in Oregon are licensed by the Oregon Division of Financial Regulation (DFR), Department of Consumer and Business Services. You can look up any license in its license search. See also online lenders and apps in Oregon.