Payday Loans in Oregon

At a Glance
  • Nickname: Beaver State
  • Population: 4.19 million
  • Capital: Salem
  • Website:

Most people seem to associate Oregon with the motto promoted by one of its more popular cities: “Keep Portland Weird!!!” But there is so much more to this state than the quirky eccentricities that are prevalent in the city of Portland. Oregon is a coastal state that is home to beautiful natural sites (including Crater Lake National Park, Columbia River Gorge National Park, and Mount Hood) and is dotted with micro-breweries and farm-to-table restaurants.

There are a number of financial indicators suggesting that Oregonians’ are doing okay financially. For example, the state’s average credit card debt is $530 less than the national average, and the median household income is $1,489 more than the national average. Unfortunately, however, the state also has its fair share of residents who are struggling financially. More than half a million Oregon residents live at or below the poverty line, and the Beaver State’s poverty rate of 13.2% is higher than the national average of 11.8%. As a result, many Oregon residents who are in a financial pinch may look towards title and payday loans in order to help keep them in the black.

Average Credit Card Debt and Median Household Income in Oregon vs. the U.S.
Average Credit Card Debt (Q1 2019)
Median Household Income (2018)

Payday Loans in Oregon

With over 400 payday lenders scattered around Oregon, there are more than 13 payday lenders for every 100,000 residents and the numbers seem to be growing rapidly. According to a report by the Oregon Student Public Interest Research Group (OSPIRG), the state has “experienced a 235% increase in the amount of payday loans in just a five-year period.”  

Consumer Protection in Oregon

How to Report a Predatory Lender in Oregon

To report a predatory lender to the authorities, contact the Oregon Division of Financial Regulation:

You can also file a complaint with Oregon Attorney General Ellen F. Rosenblum:


Payday Lending in Oregon Cities

Check out these payday loan guides to the following cities in Oregon: