What is Oregon's personal loan interest rate cap?
Under ORS § 725.340, consumer finance loans under $50,000 are capped at 36.00% APR, inclusive of all finance charges and origination fees.
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Personal Loans in Oregon
InstantLoans.ai connects residents of Oregon with independent third-party lenders operating in accordance with Oregon Consumer Finance Act - ORS Chapter 725.
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Last Updated: June 15, 2026
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Editorial Policy & Integrity PactOregon Regulatory Overview
Governing Statute
Oregon Consumer Finance Act - ORS Chapter 725
Primary legal framework regulating consumer loans and borrower protections.
Statutory APR Limit
36.00% all-inclusive APR cap on consumer loans under ORS § 725.340
Annual percentage rates comply with state usury and consumer credit caps.
Maximum Network Loan
Up to $35,000
Prepayment allowed at any time with zero penalty under state statute.
Understanding Loan Protections in Oregon
Oregon mandates a 36.00% APR cap under the Consumer Finance Act. Lenders must be licensed by Oregon DFR, and add-on fees cannot be used to circumvent the statutory rate ceiling.
Guaranteed Borrower Rights
- ✓ 36.00% maximum APR on consumer installment loans
- ✓ Protection against abusive collection practices under Oregon law
- ✓ Right to prepay loan without incurring fees
How InstantLoans.ai Works in Oregon
1. Connect
Submit your information securely. We ping our network of participating independent lenders.
2. Review Offers
If a lender accepts your request, review their specific rates, fees, and terms independently.
Frequently Asked Questions in Oregon
Who enforces consumer finance statutes in Oregon?
The Oregon Division of Financial Regulation (DFR) licenses lenders, audits compliance, and investigates consumer complaints.