Payday Loans in Spray, Oregon

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

Company nameAddressZip codePhone number
First Choice Check Advance 400 SW Court Ave, Pendleton, OR 97801 +1 (541) 276 - 2647
Sunset Science Park Federal Credit Union SSPFCU 1100 NW Murray Blvd 200, Portland, OR 97229 +1 (503) 643 - 1335
People's Bank of Commerce 509 SE 7th St, Grants Pass, OR 97526 +1 (541) 955 - 8005
Molatore, Scroggin, Peterson & Co. LLP 824 Pine St, Klamath Falls, OR 97601 +1 (541) 884 - 4164
Oregon State Credit Union 1980 NW 9th St, Corvallis, OR 97330 +1 (800) 732 - 0173
Allstate Financial Services 1590 Delta Waters Rd 114, Medford, OR 97504 +1 (541) 772 - 4521
United Finance 2743 N Pacific Hwy, Medford, OR 97501 +1 (541) 779 - 7391
First Interstate Bank 888 SW 5th Ave 1000, Portland, OR 97204 +1 (503) 499 - 5999
Mid Oregon Credit Union 650 N Arrowleaf Trail, Sisters, OR 97759 +1 (541) 382 - 1795
Cash Connection 600 OR-99W, McMinnville, OR 97128 +1 (503) 435 - 1100

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Spray, 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, Same Day Loans in Beaverton, OR, Payday Loans in Bend, OR, Emergency Loan in Corvallis, OR, 24-Hour Loan in Eugene, OR, Payday Loans in Grants Pass, OR, No Credit Check Loans in Gresham, OR and Guaranteed 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 Spray, OR.

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

97874

Are Payday Loans Legal In Spray, 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

Spray, OR payday loan calculator

Advise to read before applying

Payday Loans in Spray, Oregon – An Introduction

Payday loans are a common form of short-term lending that helps individuals who are in a tight financial spot. With payday loans, you can receive a sum of money that you agree to pay back with your next paycheck. Payday loans are widely available across the United States, and they are legal in Oregon as well.

Legal Framework for Payday Loans in Oregon

Payday loans are legal in Oregon, but there are strict regulations in place to protect consumers. The maximum amount you can borrow is $50,000, and the interest rate is capped at 36% per annum. Additionally, the Finance and Securities Regulation Bureau of Oregon oversees the payday loan industry in the state. They regulate lenders, monitor compliance, and respond to any complaints or concerns from consumers.

How Payday Loans Work

The process of applying for a payday loan is straightforward and usually takes no more than a few minutes to complete. The payday lender will usually require you to provide proof of income and a bank account. Once approved, the lender will transfer the funds directly into your account. You then have a set period, usually two weeks, to repay the loan and interest on your next payday.

While payday loans can provide immediate access to cash, they often come with high-interest rates and fees. It is important to read the terms and conditions carefully before you apply for a payday loan.

Applying for a Payday Loan in Spray, Oregon

Applying for a payday loan in Spray, Oregon is a simple process. You can either visit a physical location or apply online through a lender’s website or a loan connector service like TheGuaranteedLoans. If you choose to apply online, you will need to provide your personal and financial details as well as proof of income and a bank account.

The application will then be assessed, and if you meet the lender’s criteria, the funds will be deposited into your account. It is important to note that lenders may charge additional fees and penalties for late repayment, so make sure you read the terms and conditions carefully before accepting the loan.

Benefits of Payday Loans

  • Payday loans provide fast access to cash when you need it most
  • The application process is simple, and lenders often offer quick approvals
  • Payday loans can help you avoid the high fees associated with overdrafts or late payment penalties

Drawbacks of Payday Loans

  • Payday loans often come with high-interest rates and additional fees, making them more expensive than other forms of lending
  • The short repayment term can make it difficult to repay the loan on time, potentially leading to additional fees and penalties
  • Payday loans do not help to build credit and do not provide long-term financial solutions

Interesting Facts and Statistics about Payday Loans in Spray, Oregon

  • According to the Pew Charitable Trusts, 12 million Americans take out payday loans each year
  • In 2017, the average annual percentage rate (APR) for payday loans in Oregon was 154%
  • More than 70% of payday loan borrowers in Oregon report using payday loans for recurring expenses such as rent and utilities

Apply Now for a Payday Loan in Spray, Oregon

At TheGuaranteedLoans, we understand that financial emergencies can happen at any time. That’s why we offer payday loan connector services to eligible borrowers in Spray, Oregon. Our simple, online application makes it easy to apply for a loan from the comfort of your home.

Please note, TheGuaranteedLoans is a connector service, not a direct lender. We work with a network of lenders who may be able to provide you with a loan that meets your needs.

Apply now, and receive a decision within minutes.

The Bottom Line

Payday loans are a legal form of short-term lending in Oregon, but they can be expensive due to high-interest rates and fees. If you decide to apply for a payday loan, make sure you read the terms and conditions carefully and only borrow what you can afford to repay.

If you’re in need of a payday loan in Spray, Oregon, TheGuaranteedLoans can help connect you with potential lenders. Apply now and receive a decision within minutes.

F.A.Q.

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

Yes, borrowers who are self-employed can apply for a payday loan in Spray, 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 Spray, Oregon?

If a borrower feels they have been a victim of a predatory payday lender in Spray, 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.

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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