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Oregon Payday Loan

A payday loan is a short-term loan, usually used to take care of emergency expenses. It is generally repaid on or around the date of the borrower’s next paycheck.

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Rates & Terms

Loan Amount

Up to 25% of your net monthly income or $300, whichever is less

Loan Term

31 – 35 days

Fees

$10 origination fee per $100 borrowed, plus interest on loan principal at an annual rate of 36%

Actual loan terms may vary based on applicant's qualifications. Your loan will be due on your next payday that falls between 31 to 35 days away. If your pay dates fall outside of this range, your loan will be due in 31 days. If you are paid by paper check, we will give you a grace period of one day to deposit your check. 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.

How It Works

  1. Apply online in minutes.

  2. Receive an instant lending decision.* Possible decisions include Approved, Need More Information and Declined. If more information is needed, you may need to send in additional documents like paystubs or other proof of income.

  3. Apply early and receive funds as soon as the same business day, if approved.

  4. Repay on your scheduled due date. You are free to repay early at any time with no penalty.

Fee Schedule and Annual Percentage Rate

Your loan fees will be a flat, non-refundable origination fee of $10 per $100 borrowed, plus interest on loan principal at an annual rate of 36%. This translates to different annual percentage rates depending on your loan term. You can use the table below to see the cost and annual percentage rate of different amounts repaid over different periods.

CashNetUSA will charge a non-sufficient funds fee (NSF) of $20 one time per loan if you do not have enough funds in your account at the time your loan payment is due.

Repayment Period:

Finance Charge:

APR:

35 days
34 days
33 days
32 days
31 days

$13.45
$13.35
$13.25
$13.16
$13.06

140.26%
143.32%
146.55%
150.11%
153.77%

35 days
34 days
33 days
32 days
31 days

$20.18
$20.03
$19.88
$19.73
$19.59

140.26%
143.32%
146.55%
150.11%
153.77%

35 days
34 days
33 days
32 days
31 days

$26.90
$26.71
$26.51
$26.31
$26.12

140.26%
143.32%
146.55%
150.11%
153.77%

35 days
34 days
33 days
32 days
31 days

$33.63
$33.38
$33.14
$32.89
$32.64

140.26%
143.32%
146.55%
150.11%
153.77%

35 days
34 days
33 days
32 days
31 days

$40.36
$40.06
$39.76
$39.47
$39.17

140.26%
143.32%
146.55%
150.11%
153.77%

Requirements to Apply for a CashNetUSA Loan

In order to be eligible for any CashNetUSA loan, you must meet our requirements:

18 or older

Verifiable, steady source of income

Active checking account

U.S. citizen or permanent resident

Governing Law

The loan agreement will be governed by the applicable laws of your state. Unresolved questions or complaints should be directed to your state's regulatory agency.

CashNetUSA is licensed in Oregon by the Department of Consumer and Business Services.

Oregon State License

Oregon Pamphlets

Read important consumer information and find answers to commonly asked questions regarding payday loans in your state.

Terms Explained

Amount Financed

This is the loan amount.

Example: Jane Smith is approved for a $300 loan. This $300 is the amount financed.

Due Date

Your due date is the date on which you must repay your loan. You may repay early with no penalty.

Example: Based on her pay schedule, Jane's loan will be due when she gets her next paycheck in 31 days.

Loan Fee/Finance Charge

These terms refer to the dollar amount your loan will cost you, in addition to the amount financed.

Example: Because she borrowed $300, Jane's loan fee/finance charge will be $39.17.

Total of Payments

This is the sum of the amount financed and the finance charge. It is the total amount you must repay.

Example: Adding together her amount financed and finance charge, Jane’s total of payments comes to $339.17.

APR

APR (annual percentage rate) is a measure of the cost of credit, expressed as a yearly rate.