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Payday Loans in Portland, OR: Stores, Costs and Rules
Updated November 2026 · By Payday Loans Reviews Editorial Team · Not a lender
Payday loans are available in Portland through licensed storefront lenders operating under Oregon's Consumer Finance Act. The city has 11 payday and installment loan locations, with ACE Cash Express running six of them. State law limits any single loan to $500 and requires repayment terms between 31 and 60 days.
Costs are capped at 36% APR plus up to $10 per $100 borrowed, with an absolute maximum charge of $50. On a $500 loan for 31 days, that cap produces a $50 fee and $550 total repayment, which works out to an example APR of 118%. The typical APR reported in the market runs closer to 154%. Rollovers are prohibited, so you cannot extend the same loan by paying only the fee; you must fully repay before taking out a new one.
Washington County · Portland-Vancouver-Hillsboro, OR-WA metro area
Portland borrowers and Oregon payday laws
- Max loan amount
- $500
- Min loan term
- 31 days
- Max loan term
- 60 days
- Finance charge cap
- Capped at 36% APR + $10 per $100 max fee
- Max absolute fee
- $50
- Typical APR
- ~154%
- Rollovers (extensions)
- Prohibited
- Simultaneous loans
- N/A
- Right to rescind
- Next business day
- Governing law
- Oregon Consumer Finance Act
- Regulator
- OR Div. of Fin. Reg.
Payday loan cost calculator for Portland
Move the sliders to see what a payday loan would cost under Oregon rules and how it compares with local incomes.
Oregon maximum: $500
Oregon maximum: $10
Rollovers are not allowed in Oregon.
- Fee
- $50
- Total to repay
- $550
- APR
- 118%
- Share of a two-week household paycheck in Portland
- 1.4%
Estimate only. APR = fee ÷ amount × 365 ÷ term. Lenders may charge less than the state maximum; actual terms vary.
Payday loans in Portland: how to apply
Financial emergencies rarely wait for payday. For residents seeking quick funds in Portland, we provide a connection to reputable, state-licensed lending partners.
Submit a request online without leaving your house, get a rapid lending decision and, if approved, see the cash in your account by the following business day.
Why Portland residents use us
- Fast 5-minute request A web request option that eliminates waiting inside a branch.
- Bad credit considered Lenders focus on your steady income, not just your credit history.
- Borrow up to $500 Every agreement must meet the standards outlined in the Oregon Consumer Finance Act.
- Safe & confidential Personal and banking data pass through an encrypted pipeline.
Notice for Portland residents: Use payday credit only for temporary shortfalls, not as a permanent fix. Under Oregon law (Oregon Consumer Finance Act), fees, interest and loan sizes are restricted. Examine the contract closely before you agree.
Portland at a glance
| Metric | Portland | Oregon | United States |
|---|---|---|---|
| Population | 929,296 | 4.2M | 332.3M |
| Median household income | $96,109 | $83,810 | $85,275 |
| Median rent | $1,633/mo | $1,441/mo | $1,432/mo |
| Income spent on rent | 32.8% | 32.2% | 31.6% |
| Homeownership | 57.6% | 64.1% | 65.4% |
| Poverty rate | 11.3% | 11.9% | 12.6% |
| Unemployment rate | 5.3% | 5.4% | 5.3% |
| Without health insurance | 5.2% | 6.2% | 8.6% |
| Veterans | 5.0% | 7.5% | 6.5% |
Source: U.S. Census Bureau, American Community Survey, by ZIP code. City and state figures are population-weighted averages of ZIP code data and are approximate.
What a payday loan costs in Portland
- Fee on a $500 loan
- $50
- Share of a two-week household paycheck
- 1.4%
- Hours of work at the local median wage
- 2.1 hours
- Rollovers
- Not allowed in Oregon
Example based on the Oregon maximum fee for the maximum loan and local median incomes: two-week paycheck = household income ÷ 26, hourly wage = individual income ÷ 2,080. Actual terms vary by lender.
Payday loan stores in Portland, OR
Licensed storefront lenders in Portland with addresses, phone numbers and hours. We do not rank or recommend any lender; confirm each company's license with the OR Div. of Fin. Reg. before you borrow.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 5600 NE Martin Luther King Jr Blvd Portland, OR 97211 | (503) 287-6669 | — | 4.8 |
| 11705 SW Pacific Hwy Ste Y Tigard, OR 97223 | (503) 968-1010 | — | 4.7 |
| 16502 SE Division St H Portland, OR 97236 | (503) 760-4600 | — | 4.7 |
| 11902 SE Stark St Portland, OR 97216 | (503) 255-2274 | — | 4.6 |
| 2722 N Lombard St Portland, OR 97217 | (503) 285-2929 | — | 4.5 |
| 2929 SE Powell Blvd Portland, OR 97202 | (503) 233-2274 | — | 4.5 |
| 9600 SW Oak St #520 Tigard, OR 97223 | (971) 762-1310 | — | 1.0 |
| 9900 SW Greenburg Rd #180 Tigard, OR 97223 | (503) 665-4194 | — | 3.9 |
| 4340 NE Sandy Blvd Portland, OR 97213 | (503) 282-3284 | — | 3.4 |
| 9732 SE Washington St Ste K Portland, OR 97216 | (503) 256-0969 | — | 3.1 |
| Rapid Cash 12131 SE Powell Blvd Portland, OR 97266 | (503) 762-2224 | — | 4.9 |
Who runs payday stores in Portland
| Company | Stores | Share of stores | Average Google rating |
|---|---|---|---|
| ACE Cash Express | 6 | 55% | 4.6 |
| OneMain Financial | 3 | 27% | 3.5 |
| loanDepot | 1 | 9% | 1.0 |
| Speedy Cash | 1 | 9% | 4.9 |
Store counts and ratings from our directory. We do not rank or recommend lenders.
Portland in context
- Population rank in Oregon
- 1st
- of 15 Oregon cities with 50,000+ residents
- Median household income rank
- 4th
- of 15 Oregon cities with 50,000+ residents
- Households earning under $25,000
- 12.8%
- ▼ 1.1 pts vs OR
- Median home value
- $582,938
- ▲ 24% vs OR
- Home value to income
- 6.1×
- A $400 emergency expense
- 1.5 days
- of median household income
Local numbers for Portland borrowers
Portland has about 929,296 residents in Washington County, the largest of the 15 Oregon cities we cover. The median household income in Portland is $96,109, 15% higher than the Oregon figure of $83,810 (above the U.S. figure).
A $500 payday loan with a $50 fee would take 1.4% of a typical two-week paycheck in Portland, or about 2 hours of work at the local median wage. Among nearby cities, Roseburg has the lowest median rent at $1,076. Locally, you will find 11 licensed loan storefronts, most of them ACE Cash Express, 13 credit unions, 137 bank branches and 18 pawn shops in Portland.
The typical rent in Portland runs about $1,633 a month (13% above the Oregon median of $1,441). Renters put roughly 32.8% of income toward housing. About 11.3% of people here are below the poverty line; statewide it is 11.9%. About one in 8 households earns under $25,000 a year. The jobless rate is about 5.3%, compared with 5.4% across Oregon. About 57.6% of homes are owner-occupied, so 42.4% of households rent.
The median home value is $582,938 (24% above the Oregon median). That is about 6.1 times the median household income. Per person, median income is about $50,335. Many residents commute within the Portland-Vancouver-Hillsboro, OR-WA metro area.
Nearby cities at a glance
| City | Population | Median household income | Median rent | Poverty rate |
|---|---|---|---|---|
| Portland | 929,296 | $96,109 | $1,633 | 11.3% |
| Beaverton | 204,236 | $96,671 | $1,775 | 9.2% |
| Gresham | 86,019 | $80,822 | $1,600 | 10.8% |
| Salem | 279,480 | $76,436 | $1,335 | 13.7% |
| Eugene | 212,416 | $69,584 | $1,369 | 17.4% |
Source: U.S. Census Bureau American Community Survey estimates.
Portland payday loan cost table
| Amount | Fee (31 days) | APR | Repay once | Repay after 2 renewals |
|---|---|---|---|---|
| $100 | $10 | 118% | $110 | $130 |
| $200 | $20 | 118% | $220 | $260 |
| $300 | $30 | 118% | $330 | $390 |
| $400 | $40 | 118% | $440 | $520 |
| $500 | $50 | 118% | $550 | $650 |
Fee of $10 per $100 per term from state rules in our database; renewals only where the state allows them.
FAQ for Portland borrowers
What is the typical household income in Portland?
Census estimates show a median household income of $96,109 and a median rent of $1,633 a month in Portland.
How many lenders are there in Portland?
Our directories list 11 licensed loan storefronts and 13 credit unions in Portland, Oregon. Credit unions usually charge far less than storefront lenders for small loans.
How much of their income do Portland renters spend on housing?
Renters in Portland spend about 32.8% of their income on housing, against a 30% affordability benchmark, and 11.3% of residents live below the poverty line (statewide: 11.9%).
Do I have to apply in person at a Portland location?
There is no need to visit a storefront. Apply and sign online, then receive your funds by direct deposit to your checking account.
Which conditions must I satisfy to apply in Portland?
To qualify, you must:
- Applicants need to have reached 18 years of age.
- You should live in Portland or somewhere in the nearby Oregon area.
- An active checking account registered in your name is necessary.
- Be ready to show evidence of monthly income from work, government benefits or regular deposits.