Payday Loans in Saint Paul, Oregon

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

Company nameAddressZip codePhone number
Washington Federal Bank 3220 Hillcrest Park Dr, Medford, OR 97504 +1 (541) 779 - 0007
U.S. Bank Branch 209 N Central Blvd, Coquille, OR 97423 +1 (541) 396 - 2122
Capital One Caf 625 SW Broadway, Portland, OR 97205 +1 (503) 821 - 0254
Snuffy's Pawn Shop 2610 Ocean Blvd SE, Coos Bay, OR 97420 +1 (541) 267 - 0217
PremierWest Bank 2665 N.W. Ban Pelt Blvd., Roseburg, OR 97470 +1 (541) 440 - 2634
First Community Credit Union 150 E Johnson Ave, Coos Bay, OR 97420 +1 (541) 267 - 5115
Bend Pawn & Trading Co-Lapine 52504 US-97, La Pine, OR 97739 +1 (541) 536 - 0999
Conner Dennis R CPA 365 S Nehalem St, Clatskanie, OR 97016 +1 (503) 728 - 2038
Hermann Financial Services 1108 J Ave, La Grande, OR 97850 +1 (541) 963 - 7000
Umpqua Bank 217 Main St, Nyssa, OR 97913 +1 (541) 372 - 3882

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Saint Paul, OR, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in Albany, OR, Guaranteed Loans in Beaverton, OR, 24-Hour Loan in Bend, OR, Payday Loan Without a Credit Check in Corvallis, OR, Same Day Loans in Eugene, OR, Payday Loans in Grants Pass, OR, Payday Loans in Gresham, OR and Payday Loans in Hillsboro, 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 Saint Paul, OR.

Beautiful sights of Saint Paul, OR

Are Payday Loans Legal In Saint Paul, 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

Saint Paul, OR payday loan calculator

Understanding Payday Loans in Saint Paul, Oregon

If you’re facing a financial emergency, a payday loan might seem like a quick and easy solution. However, it’s essential to understand the laws and regulations surrounding payday loans in Saint Paul, Oregon, before deciding to take one out.

What are Payday Loans?

A payday loan is a short-term loan that typically ranges from $100 to $500. These loans are designed to help you cover unexpected expenses until your next payday. They are secured against your next paycheck, which means that lenders don’t typically require collateral or extensive credit checks.

Are Payday Loans Legal in Oregon?

Yes, payday loans are legal in Oregon. However, there are regulations in place to protect consumers from excessive fees and interest rates. The state’s regulations limit the amount you can borrow to $50,000 or 25% of your gross monthly income, whichever is less. Additionally, lenders must be licensed and can only charge up to 36% APR plus a one-time origination fee of up to 10% of the loan amount.

How to Apply for a Payday Loan in Saint Paul, Oregon

To apply for a payday loan in Saint Paul, Oregon, you’ll need to provide your identification, proof of income, and an active checking account. Lenders will use this information to determine the amount you’re eligible to borrow and the interest rate you’ll pay. You can usually apply for a payday loan in person at a storefront lender, or online through a lender’s website.

Repaying Your Payday Loan

When you take out a payday loan, the lender will typically require you to repay the loan plus interest and fees on your next payday. However, if you’re unable to repay the loan on time, you can roll it over for an additional fee. Be careful, though, as this can lead to a cycle of debt that can be challenging to escape.

Interesting Payday Loan Facts and Statistics

  • According to a study by the Pew Charitable Trusts, the average payday loan borrower takes out eight loans per year, with a total of $375 spent on interest and fees for a $300 loan.
  • In Oregon, the average APR for a payday loan is 154%, according to the Oregon Center for Public Policy.
  • The number of payday lending storefronts has declined significantly in recent years, from over 20,000 in 2006 to around 12,000 in 2015.
  • Payday loans are typically used for unexpected expenses like car repairs, medical bills, or utility bills.

Apply Now for a Payday Loan in Saint Paul, Oregon

If you’re facing a financial emergency and need a payday loan, TheGuaranteedLoans can help. We’re a connector service that can match you with potential lenders based on your needs and qualifications. We make the application process easy and straightforward, and you can complete it online from the comfort of your own home. Remember to only borrow what you can afford to repay, and never take out a payday loan if you don’t absolutely need one.

Note: It’s important to remember that TheGuaranteedLoans is not a direct lender and cannot guarantee that you’ll be approved for a payday loan. However, we’ll do our best to connect you with lenders who may be able to help.

F.A.Q.

Can I apply for a payday loan in Saint Paul, Oregon if I am self-employed?

Yes, borrowers who are self-employed can apply for a payday loan in Saint Paul, Oregon. However, they may need to provide additional documentation, such as tax returns or bank statements, to verify their income.

What should I do if I feel I have been a victim of a predatory payday lender in Saint Paul, Oregon?

If a borrower feels they have been a victim of a predatory payday lender in Saint Paul, Oregon, they can file a complaint with the Oregon Division of Financial Regulation. The division will investigate the complaint and take appropriate action, such as enforcing penalties or revoking the lender's license. Borrowers can also seek legal assistance to protect their rights and seek compensation for any harm they have suffered.