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The loan agreement will be governed by the applicable laws. Questions or complaints should be directed to your state's regulatory agency, available by clicking here. The State of Oregon has provided a pamphlet describing your rights as a borrower. Click on the pamphlet at the bottom of the page for an enlarged view.
English pamphlet.
The State of Oregon has changed the laws that govern loans of this type. The changes are effective as of July 1, 2007. Please read the changes listed in bold print below.
The maximum loan amount for Oregon residents will be 25% of net monthly income or $300.00, whichever is less. A seven day 'cooling-off' period will be instituted after your loan is paid in full. You will not be allowed to contract for a new loan during this period.
You will no longer be allowed an extension of your base loan. Your loan must be paid in full on the due date. Early payoff requests must be received at least 2 business days prior to your due date.
Your loan fees will be an interest rate of 36.00% APR plus an origination fee of $10.00 per $100 borrowed.
| $100 | $150 | $200 | $250 | $300 | ||
|---|---|---|---|---|---|---|
| Term In Days | Apr** | Finance Charge / APR** | ||||
| 31 | 153.77% | $13.06 | $19.59 | $26.12 | $32.64 | $39.17 |
| 32 | 150.11% | $13.16 | $19.73 | $26.31 | $32.89 | $39.47 |
| 33 | 146.55% | $13.25 | $19.88 | $26.51 | $33.14 | $39.76 |
| 34 | 143.32% | $13.35 | $20.03 | $26.71 | $33.38 | $40.06 |
| 35 | 140.26% | $13.45 | $20.18 | $26.90 | $33.63 | $40.36 |
Customer Notice: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.
CashNetUSA's affiliates only offer payday advance in those states where permitted by the state banking authority. More details are in the "About Us" page.
CashNetUSA is a registered trademark with the U.S. Patent and Trademark Office. (3,210,970) All rights reserved.
