Payday Loans in Swisshome, Oregon

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

Company nameAddressZip codePhone number
Banner Bank 1409 NE 7th St, Grants Pass, OR 97526 +1 (541) 956 - 6450
Sterling Financial Group 26800 S Bitz Ln, Mulino, OR 97042 +1 (503) 829 - 5284
WaFd Bank 611 Main St, Dallas, OR 97338 +1 (503) 623 - 2361
Mid Oregon Credit Union 395 SW 5th St, Madras, OR 97741 +1 (541) 382 - 1795
American Pacific Mortgage 130 S Comstock Rd, Sutherlin, OR 97479 +1 (541) 459 - 4430
Raymond James Financial Services 6015 Ulali Dr, Keizer, OR 97303 +1 (503) 350 - 3317
Marshall Commercial Funding 1600 SW Cedar Hills Blvd 101a, Portland, OR 97225 +1 (503) 614 - 1808
Bank of Eastern Oregon 178 Front St, Prairie City, OR 97869 +1 (541) 820 - 3321
ACE Cash Express 29955 SW Boones Ferry Rd Ste H, Wilsonville, OR 97070 +1 (503) 582 - 0870
Gateway Financial 9400 SW Barnes Rd, Portland, OR 97225 +1 (503) 224 - 5677

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Swisshome, OR, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Albany, OR, Payday Loans in Beaverton, OR, Payday Loans in Bend, OR, Emergency Loan in Corvallis, OR, Payday Loan Companies in Eugene, OR, Quick Loan in Grants Pass, OR, Payday Loans in Gresham, OR and Online 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 Swisshome, OR.

Are Payday Loans Legal In Swisshome, 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

Swisshome, OR payday loan calculator

Introduction

Payday loans are a type of short-term loan that gives borrowers the option to cover unexpected expenses, such as car repairs or medical bills. In Swisshome, Oregon, payday loans are legal, making them a viable option for those looking to secure immediate funds.

What Are Payday Loans?

Payday loans are short-term loans designed to be repaid within a few weeks. Unlike traditional loans, payday loans require no collateral. Instead, lenders base their approval on the borrower’s income and employment status.

Payday loans usually feature high interest rates, which can make them an expensive option. For this reason, payday loans should only be used in emergency situations when no other options are available.

How Do Payday Loans Work?

The process of applying for a payday loan in Swisshome is straightforward. Borrowers fill out an application online or in-person and provide information about their employment status and income. Once approved, the borrower receives the funds, often within one business day.

The loan is typically due on the borrower’s next payday, and the lender will deposit the borrower’s post-dated check or debit their account for the full loan amount plus interest and fees.

The Pros and Cons of Payday Loans

Pros:

  • Easy and quick access to cash
  • No collateral required
  • No credit check required, which means people with poor credit may still be approved

Cons:

  • High interest rates and fees
  • Can trap borrowers in a cycle of debt
  • May damage credit score
  • May lead to aggressive debt collection practices

Payday Loans in Swisshome, Oregon: Interesting Facts and Statistics

According to a report conducted by the State of Oregon Division of Financial Regulation, the average payday loan borrower in Oregon takes out five loans per year with an average loan amount of $380. The average interest rate on these loans is 154%, and the average APR is 391%. Over 3.6 million payday loans were made in Oregon in 2018.

Apply Now

If you are in need of immediate funds and are considering a payday loan, TheGuaranteedLoans can help connect you with potential lenders. We are a connector service, not a direct lender, and work with a network of trusted lenders to help find the best loan option for you.

Simply fill out our online application, and we will match you with lenders who meet your individual needs. The application process is straightforward, and you can receive funds in as little as one business day.

Conclusion

Payday loans can be a helpful resource in emergency situations, but they should be used with caution. In Swisshome, Oregon, borrowers should be aware of the high interest rates and fees associated with payday loans and ensure they have the means to repay the loan on time. Borrowers should only take out a payday loan as a last resort and explore alternative options such as personal loans or credit cards.

F.A.Q.

Are there any restrictions on where I can use a payday loan in Swisshome, Oregon?

No, there are no restrictions on where you can use a payday loan in Swisshome, Oregon.

Can I be arrested for defaulting on a payday loan in Swisshome, Oregon?

No, you cannot be arrested for defaulting on a payday loan in Swisshome, Oregon. However, a lender can take legal action to collect the unpaid amount. It is important to communicate with your lender and take steps to avoid defaulting on your loan.