Payday Loans in Albany, Oregon

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Payday Loan Companies in Albany, OR

Company nameAddressZip codePhone number
Ace Buyers 2840 Santiam Hwy SE 97322 +1 (541) 926 - 7199
ACE Cash Express 820 Pacific Blvd SE 97321 +1 (541) 928 - 0404
CASHCO Financial Services, Inc 1570 SE 9th Ave 97322 +1 (541) 917 - 1960
Central Willamette Credit Union 621 NW Hickory St 97321 +1 (541) 917 - 6896
Eric Erwin - Ameriprise Financial Services, LLC 2225 Pacific Blvd SE 203 97321 +1 (541) 967 - 9494
Linn-Co Federal Credit Union 4129 Santiam Hwy SE 97322 +1 (541) 259 - 1235
Oregon State Credit Union 1394 SE Clay St 97322 +1 (800) 732 - 0173
Red Canoe Credit Union 810 Burkhart St SE 97321 +1 (800) 562 - 5611
SELCO Community Credit Union 1823 14th Ave SE 97322 +1 (541) 791 - 5400
Umpqua Bank 333 SW Ellsworth St 97321 +1 (541) 967 - 7000
Washington Federal Bank 300 SW Ellsworth St SW 97321 +1 (541) 926 - 9456

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Albany, OR, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Beaverton, OR, Online Loans in Bend, OR, Payday Loan Companies in Corvallis, OR, Bad Credit Loans in Eugene, OR, Online Loans in Grants Pass, OR, Payday Loan Without a Credit Check in Gresham, OR, Payday Loans in Hillsboro, OR and Payday Loan Companies in Keizer, OR. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Albany, OR.

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Payday Loans Available in Albany, OR By The Following ZIP Codes:

97322, 97321

Are Payday Loans Legal In Albany, Oregon?

Loan Rates and Fees, Laws and Regulations in Oregon.

Oregon Loan Regulations

Legal StatusLegal
Interest Rate (APR, %)154
Maximum Loan Amount$50,000
Minimum Loan Term31 days
Maximum Loan Term60 days
Number of Rollovers Allowed2
Finance Charges36% APR

Albany, OR payday loan calculator

Advise to read before applying

Payday Loans in Albany, Oregon

Oregon is one of the few states that allows payday loans. Payday loans are short-term, high-interest loans that are meant to meet emergency financial needs. In Oregon, payday loans are regulated by the state’s Department of Consumer and Business Services, and are subject to the state’s usury laws. This article provides information about payday loans in Albany, Oregon.

What Are Payday Loans?

Payday loans are short-term, unsecured loans. They are typically used to cover unexpected expenses and are due on the borrower’s next payday. The loans are usually for amounts up to $500, although some lenders may offer larger loans. Payday loans typically have high interest rates and fees.

Payday Loan Regulations in Oregon

In Oregon, payday loans are regulated by the state’s Department of Consumer and Business Services. The state requires lenders to disclose various details about their loans, including the total amount of the loan, the APR, the repayment dates, and any fees or additional charges. The state also has usury laws, which limit the amount of interest and fees that lenders can charge for payday loans.

Payday Loan Laws in Albany, Oregon

Albany, Oregon follows the state’s payday loan laws. That means that lenders offering payday loans in the city must abide by the state’s regulations and usury laws. Borrowers should be aware of the high interest rates and fees associated with payday loans, and should only borrow if they are sure they can repay the loan on time and in full.

Where to Get a Payday Loan in Albany, Oregon

There are several payday loan lenders in Albany, Oregon. The best way to find a lender is to search online or look in the Yellow Pages. Most lenders will offer online applications, allowing borrowers to apply for the loan quickly and easily.

Advantages and Disadvantages of Payday Loans

Payday loans can be a useful alternative to more traditional loan products, but borrowers should be aware of the risks associated with them. Payday loans have high interest rates and fees, and borrowers should make sure they understand the terms of the loan before signing. Payday loans also have a quick turnaround time, so borrowers can get access to funds quickly.

Alternatives to Payday Loans

Before taking out a payday loan, borrowers should explore other alternatives. These may include taking out a personal loan from a bank or credit union, applying for an installment loan, or applying for a line of credit. Borrowers should compare the terms and conditions of each option before deciding which one is best for them.

F.A.Q.

Are payday loans legal in Oregon?
Yes, payday loans are legal in Oregon. The state’s Department of Consumer and Business Services regulates payday lenders and sets limits on the amount of interest and fees they can charge.

Are payday loans available in Albany, Oregon?
Yes, payday loans are available in Albany, Oregon. There are several payday loan lenders in the city, and borrowers can apply for loans online.

What are the risks of taking out a payday loan?
Payday loans have high interest rates and fees, and can lead to a cycle of debt if borrowers are unable to repay the loan on time and in full. Borrowers should understand the terms of the loan before taking one out.

Apply Now

If you are looking for a payday loan in Albany, Oregon, TheGuaranteedLoans can help. We are not a lender, but we can connect you with lenders who offer payday loans. To apply, click the link below and fill out the online form. We will match you with the right lender for your needs.

More F.A.Q.

Can a lender garnish my wages if I default on a payday loan in Albany, Oregon?

Yes, a lender can garnish wages if a borrower defaults on a payday loan in Albany, Oregon.

Do I need to have good credit to be eligible for a payday loan in Albany, Oregon?

No, payday loans in Albany, Oregon do not require a credit check.

How Many Cash Advance Companies are in Albany, OR?

With the help of our service, you will be able to find 11 cash advance companies in Albany, OR

What Cash Advance Companies in Albany, OR are the most popular?

You should check ACE Cash Express, Ace Buyers, and CASHCO Financial Services, Inc. Also, you can start your application online on our website.

Look for Short-Term Loans in Other Cities:

Beaverton Bend Corvallis Eugene Grants Pass Gresham Hillsboro Keizer Lake Oswego McMinnville Medford Oregon City Portland Salem Springfield
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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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