Home›State rule guide›Oregon Payday Loans: 31–60 Days, 36% Interest + Max $30 Origination

State rule guide

Oregon Payday Loans: 31–60 Days, 36% Interest + Max $30 Origination

Check Oregon payday-loan rules: 31–60 day term, 36% annual interest, one-time 10% origination fee capped at $30, two renewals and current licensing.

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✓Availability✓Limits✓Licensing

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Answers, tradeoffs and next steps

Use the sections below to evaluate fit, not to predict approval.

State-specific decision hinge

Oregon’s payday product is longer than the common 14-day model and combines a 36% annual interest rate with a capped one-time origination charge.

Current state rule table

State field	Current rule
Term	At least 31 days and not longer than 60 days
Interest	Up to 36% annually
Origination fee	One-time 10% of loan amount, maximum $30
Renewals	No more than 2
License	Online and storefront payday/title lenders must be licensed in Oregon

Product scenario

For a new $300 payday loan, the 10% origination calculation hits the $30 cap; interest then accrues under the verified term/rate. Payday Hex calculates both instead of using a national flat-fee example.

Interactive decision tool

State range checker

Test the requested amount against the rule summarized on this page.

1Enter→2Compare→3Verify

Amount requested$Rule maximum shown here$

Illustrative resultEnter your numbers

Provider terms and current state requirements control any offer.

Decision infographic

From state rule to final provider check

A statutory ceiling is not an approval amount.

StartState ruleProduct status and maximum.

ThenOpen loansDatabase or provider verification.

ResultEligible rangeProvider confirms the amount.

What controls the decision

State ruleApply

Open loansVerify

ProviderConfirm

3/3

Ready to compare

Inputs, provider disclosure and repayment fit must agree.

Three gates before you continue

1Lawful routeProduct allowed in the state?
2Amount checkWithin the state framework?
3Database checkOutstanding obligations verified?

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Apply the result to this decision

Use the remaining checks before moving to a provider form.

If the state/product check fails

Do not suggest an unlicensed online lender or an out-of-state workaround.
Route to bank / credit union / PAL / lawful installment alternatives where available.
If the issue is an existing unpaid loan, show repayment-plan / hardship rights before new credit.
If the payment would erase the user's safety buffer, lower the amount or return a no-borrow outcome.

Product objections / FAQ

Does the state maximum mean I should borrow that amount? No. The legal ceiling is not an affordability recommendation. Are online lenders exempt from state rules? Payday Hex does not treat an online channel as an exemption. The lender must be legally permitted to serve the user under the applicable framework. How fresh are these rules? Sources below were checked on 6 Sep 2026. Volatile lender availability and any state changes must be refreshed immediately before publication.

Quick comparison

What the product page must answer

Decision	Look for	Stop if
Availability	State eligibility and provider identity	The creditor or license path is unclear
Cost	Amount received, required fees, APR and total repayment	Only the payment size is shown
Timing	Decision, release and bank-posting stages	“Instant” is presented as guaranteed
Repayment	Exact dates, method and late-payment consequences	The payment reopens the same cash gap

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