Payday Loans in Dexter, Oregon

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No payday loan companies in Dexter, OR. Consider companies in other cities:

Company nameAddressZip codePhone number
First Federal 118 NE 3rd St, McMinnville, OR 97128 +1 (503) 472 - 6171
CASHCO Financial Services, Inc 1955 NE Division St, Gresham, OR 97030 +1 (503) 465 - 8484
Lasalle Street Securities Llc 75 SE Byers Ave, Pendleton, OR 97801 +1 (541) 276 - 0121
Connell Salinas 2916 NE Alberta St, Portland, OR 97211 +1 (503) 284 - 1654
Umpqua Bank Home Lending 5005 Meadows Rd Ste 400, Lake Oswego, OR 97035 +1 (503) 268 - 6288
Clackamas Federal Credit Union 22000 Salamo Rd, West Linn, OR 97068 +1 (503) 656 - 0671
Oregon Pacific Bank - Florence Branch 1355 US-101, Florence, OR 97439 +1 (541) 997 - 7121
Bank of Eastern Oregon / Loan Production Office 202 SE Dorion Ave Ste. 102, Pendleton, OR 97801 +1 (541) 276 - 6509
Matt Martino 390 SW Century Dr Ste 100, Bend, OR 97702 +1 (541) 312 - 4853
Banner Bank 101 E Main St, Hermiston, OR 97838 +1 (541) 567 - 2291

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Dexter, OR, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Keizer, OR, Payday Loans in Lake Oswego, OR, Online Loans in McMinnville, OR, Payday Loans in Medford, OR, Payday Loans in Oregon City, OR, Payday Loans in Portland, OR, Payday Loans in Salem, OR and Emergency Loan in Springfield, 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 Dexter, OR.

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

00000

Are Payday Loans Legal In Dexter, 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

Dexter, OR payday loan calculator

Payday Loans in Dexter, Oregon: Understanding These Short-Term Loans

When facing an unexpected financial emergency, like a medical bill, car repair, or other surprise cost, many people in Dexter, Oregon, turn to payday loans. These short-term loans are meant to be a quick solution to a problem and can be a valuable tool for those in need of immediate cash. If you’re considering a payday loan in Dexter, Oregon, it’s important to understand how they work, their regulations, and how to make an informed decision about whether they’re right for you.

How Payday Loans Work

Payday loans are small, short-term loans that are typically due on your next payday. They are designed to be easy to qualify for and to provide a quick source of cash when you need it most. Typically, payday loan amounts range from $100 to $500, and they usually have a term of 2 to 4 weeks. Lenders may charge a fee per $100 borrowed, which can range from $15 to $30.

To qualify for a payday loan in Dexter, Oregon, you must be a resident of the state and at least 18 years old. You will also need to have a valid identification, a checking account, and proof of income to prove that you can repay the loan. Once you apply for a payday loan, you can typically get your money in as little as one business day, making it a quick and convenient way to access cash when you need it most.

Regulations on Payday Loans in Dexter, Oregon

Payday loans in Dexter, Oregon, are legal under state law. However, there are regulations in place to protect consumers from predatory lending practices. The maximum amount you can borrow is $50,000, and lenders are not allowed to charge you more than 36% APR (annual percentage rate) or a fee of $10 per $100 borrowed.

Lenders are required to provide borrowers with a written loan agreement that clearly outlines the terms and conditions of the loan. They must also disclose all fees and charges associated with the loan, including any interest, late payment fees, and other charges. Borrowers have the right to cancel the loan within 24 hours without penalty and to request a repayment plan if they are unable to repay the loan on time.

Is a Payday Loan Right for You?

If you’re considering a payday loan in Dexter, Oregon, it’s important to evaluate whether it’s the right choice for your financial situation. Payday loans can be a valuable tool for those who need quick cash to cover an unexpected expense, but they do come with significant risks. These loans typically come with high interest rates and fees, and if you can’t pay them back on time, you could face a cycle of debt that can be difficult to break.

Before you apply for a payday loan, it’s important to consider other options, like borrowing from friends or family, using a credit card, or looking into other loan types. If you do decide to take out a payday loan, be sure to read the loan agreement carefully, understand all fees and charges, and be confident that you can repay the loan on time.

Interesting Facts and Statistics

  • Oregon has some of the strictest payday loan regulations in the country, designed to protect consumers from predatory lending practices.
  • In 2019, Oregon Senate passed a bill that would limit interest rates on payday loans to 36%, the same limit that the US Department of Defense imposes on loans to military servicemembers.
  • According to a report by the Oregon Department of Consumer and Business Services, the average payday loan borrower in Oregon takes out 3.5 loans per year and pays an average of $414 in interest and fees for a $300 loan.

Apply Now

If you’re considering a payday loan in Dexter, Oregon, TheGuaranteedLoans can help. As a connector service, we work with a network of licensed lenders who can provide you with the cash you need quickly and easily. To get started, simply fill out our online application, and we’ll match you with a lender who meets your needs. Remember, we’re not a direct lender, and we’re committed to providing you with the safe, secure, and transparent borrowing experience you need.

F.A.Q.

Can a lender take me to court if I default on a payday loan in Dexter, Oregon?

Yes, a lender can take a borrower to court if they default on a payday loan in Dexter, Oregon. If the borrower fails to appear in court, a default judgment may be entered against them.

Can a lender seize my property if I default on a payday loan in Dexter, Oregon?

No, lenders are not allowed to seize a borrower's property in order to collect on a payday loan in Dexter, Oregon.