Payday Loans in Mosier, Oregon

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

Company nameAddressZip codePhone number
U.S. Bank ATM - Ashland 30 N 2nd St, Ashland, OR 97520 +1 (800) 872 - 2657
ACE Cash Express 412 SE 7th St, Grants Pass, OR 97526 +1 (541) 471 - 8865
First Interstate Bank 154 SW 6th St, Redmond, OR 97756 +1 (541) 504 - 2200
Mutual of Omaha Mortgage-Portland 220 NW 8th Avenue Office 1 E-8, Portland, OR 97209 +1 (469) 337 - 5728
Best Check Cashing 3695 Devonshire Ave NE, Salem, OR 97305 +1 (503) 365 - 8427
PNC Mortgage 235 SE Yew Ln, Bend, OR 97702 +1 (541) 318 - 0849
Banner Bank 88312 Territorial Hwy, Veneta, OR 97487 +1 (541) 935 - 4141
Bank of the Pacific- Eugene CBC 975 Oak St Suite 795, Eugene, OR 97401 +1 (541) 954 - 2220
U.S. Bank Branch 25691 SE Stark St, Troutdale, OR 97060 +1 (503) 491 - 9290
Washington Federal Bank 1503 Washington Ave, La Grande, OR 97850 +1 (541) 963 - 2101

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Mosier, OR, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Keizer, OR, Payday Loans in Lake Oswego, OR, Payday Loan Without a Credit Check in McMinnville, OR, Online Loans in Medford, OR, Guaranteed Loans in Oregon City, OR, Same Day Loans in Portland, OR, Payday Loan Companies in Salem, OR and Payday Loans 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 Mosier, OR.

Beautiful sights of Mosier, OR

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

97040

Are Payday Loans Legal In Mosier, 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

Mosier, OR payday loan calculator

Payday loans are a type of short-term loan often used by individuals who need to cover urgent expenses or unexpected bills. While these loans have received a lot of criticism in the past due to their high-interest rates, they can be a useful tool when used responsibly. In the state of Oregon, payday loans are legal, and residents of Mosier have access to them. Here’s what you need to know if you’re considering using a payday loan in Mosier.

How do payday loans work?

Payday loans are typically small-dollar loans that are designed to be repaid within a short period, usually on the borrower’s next payday. To apply for a payday loan, you’ll need to provide proof of income, a government-issued ID, and a checking account. The lender will use this information to determine whether you qualify and how much money you can borrow.

If you’re approved for a payday loan, you’ll typically receive the loan amount directly to your bank account. The loan agreement will specify the repayment terms, including the due date and interest rate. The interest rate on payday loans can be very high, often as much as 400% APR, so it’s important to understand the total cost of the loan before you apply.

Are payday loans legal in Mosier?

Yes, payday loans are legal in Mosier and throughout the state of Oregon. The state has implemented regulations to protect consumers from predatory lending practices and ensure that lenders operate fairly and transparently.

Under Oregon law, payday lenders can charge a maximum of $10 per $100 borrowed, with a maximum loan amount of $50,000. Borrowers are also limited to one payday loan at a time, with a cooling-off period of 7 days between loans. These regulations help to prevent borrowers from falling into a spiral of debt by taking out multiple loans they can’t afford to repay.

What are the pros and cons of payday loans?

Like any financial product, payday loans have both advantages and disadvantages. Here are some things to consider before you apply:

Pros:

  • Fast approval and funding
  • No collateral required
  • No credit check required
  • Can be useful for covering unexpected expenses

Cons:

  • High interest rates and fees
  • Short repayment period
  • Risk of falling into a cycle of debt
  • May not be suitable for long-term financial needs

Interesting Facts and Statistics about Payday Loans in Mosier, Oregon

  • In 2019, Oregon borrowers took out 455,000 payday loans, with an average loan amount of $383.
  • The total amount borrowed through payday loans in Oregon in 2019 was $174 million.
  • The average interest rate on payday loans in Oregon is 154%.
  • Approximately 1 in 8 Oregonians has used a payday loan at some point.

Apply Now

If you’re considering a payday loan in Mosier, it’s important to do your research and understand the potential risks and benefits. TheGuaranteedLoans can help you connect with potential lenders and find the loan that best fits your needs. Our online application process is fast and simple, and we’ll work to get you the best possible loan terms. Remember, payday loans should only be used as a short-term solution for urgent expenses.

Apply now and get started on the path to financial stability. Please note that TheGuaranteedLoans is a connector service, not a direct lender, and we will facilitate your connection with potential lenders.

F.A.Q.

Can I be charged a late fee if I miss a payment on my payday loan in Mosier, Oregon?

Yes, lenders are allowed to charge a late fee if a borrower misses a payment on their payday loan in Mosier, Oregon. The maximum late fee is $10 or 5% of the unpaid amount, whichever is less.

Can a lender contact my employer or family members about my payday loan in Mosier, Oregon?

No, a lender cannot contact your employer or family members about your payday loan in Mosier, Oregon unless you give them permission to do so.