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Due to the upcoming banking holiday, all requests to make changes for loans due on July 07, 2008 must be received by 3:00 PM CST on July 02, 2008.
All loans approved on July 03, 2008 will be funded on July 07, 2008.

Rates and Terms > Oregon

Governing Law

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.

Oregon Borrower Rights

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.

Maximum Loan Amount

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.

Loan Terms

Extensions

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.

Fees and Charges

Your loan fees will be an interest rate of 36.00% APR plus an origination fee of $10.00 per $100 borrowed.

Fees Schedule and APR

$100 $150 $200 $250 $300
Term In Days Apr** Finance Charge / APR**
31153.77%$13.06
$19.59
$26.12
$32.64
$39.17
32150.11%$13.16
$19.73
$26.31
$32.89
$39.47
33146.55%$13.25
$19.88
$26.51
$33.14
$39.76
34143.32%$13.35
$20.03
$26.71
$33.38
$40.06
35140.26%$13.45
$20.18
$26.90
$33.63
$40.36

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Image: CFSA: Community Financial Services Association of America.