Oregon State Payday Loan Laws

By Shawn Martin


Oregon State Flag
Oregon State Flag

Oregon state payday loan laws are set up to help the borrower but do not go far enough to really do much good. They are still loaded with traps that one must be aware of.

This state limits the length of payday loans to 60 days and limits the amount allowed to borrow to 25% of the borrowers net monthly income.

This can still lead to large payday loans that can be very hard to pay off. This state also allows two roll overs per loan which can lead to huge charges in interest and fees.

The state of Oregon has no limits on interest rates allowed, and these companies can charge loan origination fees, dishonored check charges, insufficient funds charges, and they are allowed to pursue legal action and reimbursement of legal fees.

This can all lead to some serious payday loan debt should one default on one of these loans.

Oregon does not allow a second payday loan to be taken out within 7 days of the expiration of a previous payday loan. The chance of having more than one payday loan at a time in Oregon is still very real, as many online payday loan companies do not follow these rules.

If you must use these services make sure you only borrow what you can pay back on the first due date of the loan in full.

Any other use of these loans can lead to financial hardship.

We can help!


If you have found yourself with too much payday loan debt or have defaulted on payday loans, we can help.

Check out our payday loan repayment plan and fill out a request for a free no obligation quote today! let’s get to work on stopping those harassing calls and threats of legal action and get you back on track with your finances!

We get requests daily from people just like you who are in need of help and do not know where to turn.Let’s get started today!

7 thoughts on “Oregon State Payday Loan Laws”

  1. For those of you in Oregon, my ex-sister-in-law included, no name to be published here…. Read this before you get stuck in this trap again!

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