Payday Loans in Scotts Mills, Oregon

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

Company nameAddressZip codePhone number
Northwest Community Credit Union 2079 Cardinal Ave, Medford, OR 97504 +1 (800) 452 - 9515
Umpqua Bank 948 SW Veterans Way, Redmond, OR 97756 +1 (541) 604 - 3011
Supreme Lending 111 3rd St, Hood River, OR 97031 +1 (541) 490 - 4077
Bank of the West 80 N 17th Ave, Cornelius, OR 97113 +1 (503) 357 - 5900
Ustl 5108 SE Powell Blvd, Portland, OR 97206 +1 (503) 771 - 1831
Mission Hills Mortgage Bankers 830 Alder Creek Dr, Medford, OR 97504 +1 (541) 773 - 1853
OnPoint Community Credit Union 9460 SW Wilsonville Rd Suite 101, Wilsonville, OR 97070 +1 (503) 228 - 7077
Oregon State Credit Union 1394 SE Clay St, Albany, OR 97322 +1 (800) 732 - 0173
WaFd Bank 135 Redwood Hwy, Cave Junction, OR 97523 +1 (541) 592 - 4663
Chase Bank 898 Chetco Ave, Brookings, OR 97415 +1 (541) 469 - 2181

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Scotts Mills, OR, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Albany, OR, Payday Loans in Beaverton, OR, Quick Loan in Bend, OR, Short-term Loans in Corvallis, OR, Payday Loans in Eugene, OR, No Credit Check Loans in Grants Pass, OR, Same Day Loans in Gresham, OR and Payday Loan for 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 Scotts Mills, OR.

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

97375

Are Payday Loans Legal In Scotts Mills, 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

Scotts Mills, OR payday loan calculator

Advise to read before applying

Payday Loans in Scotts Mills, Oregon: What You Need to Know

If you’re in Scotts Mills, Oregon, and in need of a little financial help, you might wonder if payday loans are a good option for you. These loans can help you cover unexpected expenses, but they come with high fees and a hefty interest rate.

Payday Loan Regulations in Oregon

If you’re considering taking out a payday loan in Scotts Mills, Oregon, it’s important to know the regulations around them. While payday loans are legal in Oregon, there are restrictions in place to protect borrowers.

  • The maximum amount you can borrow is $50,000.
  • The loan term can be no longer than 60 days.
  • The interest rate is capped at 36% APR, and lenders cannot charge fees exceeding 36% of the loan amount.
  • Lenders must be licensed by the Oregon Division of Financial Regulation (DFR).

Make sure to read the terms and conditions of any loan offer carefully, and only work with licensed lenders.

The Pros and Cons of Payday Loans

Like any financial product, payday loans have pros and cons. Here are some factors to consider before taking out a payday loan in Scotts Mills:

Pros:

  • Quick access to funds
  • No credit check required
  • Easy to qualify for

Cons:

  • High fees and interest rates
  • Short repayment terms
  • Can trap you in a cycle of debt

If you decide to take out a payday loan, be sure you’re aware of the repayment terms and the total cost of the loan. Try to pay it back as quickly as possible to avoid accumulating additional fees and charges.

Interesting Facts and Statistics

  • Oregon has some of the strictest payday loan regulations in the country
  • In 2019, Oregon payday loan borrowers paid an average interest rate of 154%
  • In 2020, Oregon payday lenders issued 157,200 loans to borrowers, totaling $53.2 million

Apply Now

If you’re in need of a payday loan in Scotts Mills, Oregon, TheGuaranteedLoans can help. Our online application process is quick and easy, and we’re committed to connecting you with licensed lenders who can help you get the funds you need. Remember, we’re a connector service, not a direct lender.

Fill out our online application today and take the first step toward getting the financial help you need.

F.A.Q.

Can a lender charge me additional fees if I default on a payday loan in Scotts Mills, Oregon?

Yes, a lender can charge additional fees if a borrower defaults on a payday loan in Scotts Mills, Oregon. These fees may include collection costs and attorney's fees.

Are there any alternatives to payday loans in Scotts Mills, Oregon?

Yes, there are alternative options to payday loans in Scotts Mills, Oregon, such as credit unions, small banks, and nonprofit organizations that offer small loans with more flexible repayment terms.

Look for Short-Term Loans in Other Cities:

Albany 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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