Oregon Cash Advance and Payday Loans

What are the minimum requirements to apply for a payday loan?

  • 18 years of age or older
  • U.S. Citizenship Valid checking or savings account with direct deposit
  • Regular income of at least $1,000 per month
  • Not a regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast Guard (or a dependent thereof), serving on active duty under a call or order that does not specify a period of 30 days or fewer

Are you looking for an online payday loan in Oregon? Submit the easy form and if approved we can connect to dozens of lenders that may be able to lend you up to $1,000!

 

 

The basics of how payday loans work.

If you have found yourself in a financially tough spot, it can be overwhelming trying to figure out how you are going to manage your way through it. Luckily, payday loans serve as a wonderful guide to help navigate individuals through an economic crisis. They can prove to be especially helpful to those with bankruptcy on their credit score or to those with bad credit or none at all. Payday loan lenders do not require a credit check in order to dictate approval. Rather, the borrower’s pay check serves as collateral to ensure the payday loan will be repaid upon the upcoming pay date; thus the name ‘payday loan.’

The information below provides a quick overview of commonly asked questions people often have regarding payday loans.

What is a payday loan?
A payday loan is a loan offered on a short-term basis, typically set to be repaid upon the borrower’s next pay date.

How long does it take to get a payday loan in Oregon?
Payday loans are designed to be quick in all aspects. In most cases, the application takes only a matter of minutes to complete. The approval process and transfer of your loan is done in just a few short hours; most people are able to access their payday loan by the following business day.

How much money can I borrow?
The amount of money you may borrow is dependent on a number of factors. In any case, it is advised that you figure how much you need beforehand to avoid taking out more than you need. This will save you from having to pay interest on money that you don’t need to borrow.

When does my payday loan need to be repaid?
Payday loans are usually set to be repaid upon the borrower receiving their next paycheck, thus the name ‘payday loan.’ However, if more time is needed to gather the money to repay the loan, lenders do allow an extension or rollover of the payday loan. The laws regarding rollovers vary by state so make sure to check your local laws beforehand.

I have been rejected by other lenders in Oregon, why will I be approved for a payday loan?
Many people who apply for credit cards or large loans from banks or other lending institutions find it harder to be approved for a loan. In most instances, their credit score plays a major influence when factoring in a customer’s credit worthiness. However, payday loans do not require a credit check so many people who have struggles securing a loan elsewhere often find approval with payday loans. Due to the short turnaround of payday loans, the borrower’s paycheck serves as collateral on the loan so no credit check needs to be performed.

We cover following cities in Oregon:

Albany
Aloha
Altamont
Ashland
Astoria
Athena
Aumsville
Baker City
Bandon
Banks
Barview
Beavercreek
Beaverton
Bend
Bethany
Boardman
Brookings
Bull Mountain
Bunker Hill
Burns
Canby
Cannon Beach
Canyonville
Carlton
Cascade Locks
Cave Junction
Cedar Hills
Cedar Mill
Central Point
Chenoweth
Clatskanie
Coburg
Columbia City
Coos Bay
Coquille
Cornelius
Corvallis
Cottage Grove
Creswell
Culver
Dallas
Damascus
Dayton
Depoe Bay
Deschutes River Woods
Donald
Drain
Dundee
Dunes City
Dunes City
Eagle Crest
Eagle Point
Elgin
Enterprise
Estacada
Eugene
Florence
Forest Grove
Four Corners
Gearhart
Gervais
Gladstone
Glide
Gold Beach
Gold Hill
Grand Ronde
Grants Pass
Green
Gresham
Happy Valley
Harbor
Harrisburg
Hayesville
Heppner
Hermiston
Hillsboro
Hines
Hood River
Hubbard
Independence
Irrigon
Island City
Jefferson
Jennings Lodge
John Day
Joseph
Junction City
Keizer
King City
Klamath Falls
La Grande
Lake Oswego
Lakeside
Lakeview
La Pine
Lebanon
Lincoln Beach
Lincoln City
Lowell
Lyons
Madras
McMinnville
Medford
Merlin
Metzger
Mill City
Millersburg
Milton-Freewater
Milwaukie
Molalla
Monmouth
Mount Angel
Mount Hood Village
Mulino
Myrtle Creek
Myrtle Point
Newberg
New Hope
Newport
North Bend
North Plains
Nyssa
Oak Grove
Oak Hills
Oakridge
Oatfield
Odell
Ontario
Oregon City
Pendleton
Philomath
Pilot Rock
Portland
Port Orford
Prineville
Rainier
Raleigh Hills
Redmond
Redwood
Reedsport
Riddle
Rockcreek
Rogue River
Roseburg
Roseburg North
Rose Lodge
Salem
Sandy
Scappoose
Seaside
Shady Cove
Sheridan
Sherwood
Siletz
Silverton
Sisters
South Lebanon
Springfield
Stanfield
Stayton
St. Helens
Sublimity
Sunriver
Sutherlin
Sweet Home
Talent
Tangent
Terrebonne
The Dalles
Three Rivers
Tigard
Tillamook
Tri-City
Troutdale
Tualatin
Turner
Umatilla
Union
Vale
Veneta
Vernonia
Waldport
Warm Springs
Warren
Warrenton
West Linn
West Slope
White City
Willamina
Williams
Wilsonville
Winston
Woodburn
Wood Village
Yamhill
Yoncalla