Payday Loans in Winchester, Oregon

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

Company nameAddressZip codePhone number
First National Bank 193 Main St E, Monmouth, OR 97361
U.S. Bank Branch 2000 Main St, Baker City, OR 97814 +1 (541) 523 - 7791
St Helens Community Fed CU 52691 Columbia River Hwy, Scappoose, OR 97056 +1 (503) 397 - 2376
Umpqua Bank 113 S Main St, Jefferson, OR 97352 +1 (541) 327 - 2223
Washington Federal Bank 175 Lithia Way Ste 100, Ashland, OR 97520 +1 (541) 535 - 6149
First Choice Check Advance 400 SW Court Ave, Pendleton, OR 97801 +1 (541) 276 - 2647
People's Bank of Commerce 1500 Siskiyou Blvd, Ashland, OR 97520 +1 (541) 482 - 3886
LaRog Brothers Jewelers 13033 SE 84th Ave, Clackamas, OR 97015 +1 (503) 774 - 8991
Klamath Public Employees Federal Credit Union 3737 Shasta Way, Klamath Falls, OR 97603 +1 (541) 882 - 5525
Umpqua Bank 708 Garibaldi Avenue, Box 276, Garibaldi, OR 97118 +1 (503) 322 - 3881

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Winchester, OR, you can try to find different companies in big cities near by. Check out the following pages here: Guaranteed Loans in Albany, OR, No Credit Check Loans in Beaverton, OR, Payday Loans in Bend, OR, Quick Loan in Corvallis, OR, Online Loans in Eugene, OR, 24-Hour Loan in Grants Pass, OR, 24-Hour Loan 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 Winchester, OR.

Beautiful sights of Winchester, OR

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

00000

Are Payday Loans Legal In Winchester, 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

Winchester, OR payday loan calculator

Payday Loans in Winchester, Oregon – Your Comprehensive Guide

Payday loans are a popular solution for people who encounter unexpected financial emergencies and have no savings or access to traditional credit. In Winchester, Oregon, payday loans are legal, but it is crucial to know the guidelines and regulations surrounding them before you decide to apply for one.

What Are Payday Loans?

A payday loan is a small, short-term loan that a lender gives to a borrower to cover unforeseen expenses until their next paycheck arrives. Payday loans also come with high-interest rates and fees, and they are typically due on the borrower’s next payday.

Payday Loans in Winchester, Oregon

While payday loans are legal in Oregon, they are subject to certain rules and regulations. In Winchester, borrowers can access payday loans under the Oregon Revised Statutes 725A.010 et seq. These regulations outline the terms and conditions for payday loans, including the following:

  • Borrowers can get up to $50,000 in payday loans in Oregon.
  • Payday loans cannot exceed 25% of the borrower’s net monthly income.
  • The loan term should not be less than 31 days or more than 60 days.
  • The maximum annual percentage rate (APR) for a payday loan in Oregon is 36%.
  • Borrowers can only take out one payday loan at a time.
  • Lenders must provide borrowers with a written agreement that clearly outlines the terms and conditions of the loan.

The Pros and Cons of Payday Loans

Like any other financial product, payday loans come with advantages and disadvantages. Here are some of the pros and cons of payday loans:

Pros:

  • Easy and quick application process
  • No collateral is required
  • Accessible to borrowers with poor credit

Cons:

  • High-interest rates and fees
  • Short repayment term
  • May lead borrowers into a cycle of debt if they cannot repay on time

Interesting Facts and Statistics About Payday Loans in Winchester, Oregon

According to a report by the Oregon Department of Consumer and Business Services, approximately 400,000 payday loans of up to $50,000 are issued to Oregon consumers every year. The report also shows that the average interest rate on payday loans in Oregon is 154%, which is significantly higher than most other states.

Apply Now

At TheGuaranteedLoans, we understand that unexpected expenses can cause financial stress, and we want to help ease that burden. As a connector service, we work with a network of reliable lenders in Winchester, Oregon, who can provide you with payday loans. Fill out our online application form, and we will match you with potential lenders who suit your needs. Remember, we are not a direct lender, and we do not make lending decisions. We aim to facilitate your connection to potential lenders, making the process quick and simple.

Conclusion

Payday loans are a legal option for residents of Winchester, Oregon, who need quick cash to cover emergency expenses. However, it is essential to remember that payday loans come with high-interest rates and fees, and they may lead to a cycle of debt if not repaid on time. If you need payday loans in Winchester, Oregon, make sure you understand the terms and conditions before applying. At TheGuaranteedLoans, we aim to provide you with reliable information and to connect you to lenders who suit your needs.

F.A.Q.

What are the maximum loan amounts and interest rates for payday loans in Winchester, Oregon?

in Winchester, Oregon, the maximum loan amount for a payday loan is $50,000 and the maximum interest rate is 36% per year.

Can I renew or extend a payday loan in Winchester, Oregon?

No, payday loans in Winchester, Oregon cannot be renewed or extended. Borrowers must repay the loan in full by the agreed upon due date.