Lake Oswego, OR · West · 36% APR cap
Payday loans in Lake Oswego
Lake Oswego is governed by Oregon's statewide lending law — cities don't set their own loan rules. Oregon does not license classic two-week payday pricing: a 36% APR cap keeps typical payday fees out of the market. The storefronts that remain sell installment products under that cap.
Classic payday pricing is not licensed here, so treat any two-week, high-fee offer as a red flag.
Lending storefronts in Lake Oswego
38,945 residents · Clackamas County / Multnomah County / Washington County Median household income is $85,303 — above the Oregon median of $54,309.
| Nearest storefronts | Town | Phone |
|---|---|---|
| ACE Cash Express | Tigard 4 mi | (503) 968-1010 |
| Credit Concepts | Milwaukie 4 mi | (503) 496-1090 |
| United Finance Co - Gladstone | Milwaukie 4 mi | (503) 238-6495 |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Oregon page before visiting. Spot an error? Report it.
The online route in Lake Oswego
Online lenders can serve Lake Oswego without a storefront — but Oregon's 36% cap reaches any lender licensed in the state, wherever it is based. Loans routed through partner banks or tribal charters sit outside that cap, and regulators dispute the structure.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Oregon regulator.
The rules behind the numbers
Payday loans in Oregon are subject to interest rate caps, fee limits, and mandatory minimum loan terms.
In practice: borrow $300 for a standard term and the finance charge is $39.17 — $339.17 repaid at the end, about 154% APR. Every compliant lender in Lake Oswego has to fit inside that schedule.
Statute: ORS § 725A.010 et seq.
Regulator: Oregon Division of Financial Regulation · dfr.oregon.gov
Questions people ask in Lake Oswego
Why doesn't Lake Oswego have classic payday stores?
Oregon caps small-loan APR at 36%, and that state cap applies in Lake Oswego exactly as everywhere else. At 36% a two-week $300 loan earns a lender about $4 — so classic payday pricing can't legally operate here.
What can I legally borrow in Lake Oswego?
Installment loans priced under the 36% cap, federal credit-union PALs, and employer advances are the lawful routes. Any storefront or site advertising two-week, high-fee payday pricing to Lake Oswego residents is not licensed here.
What lending storefronts are in Lake Oswego?
Our 2022-02-20 directory snapshot lists no storefront lenders in Lake Oswego — the closest listed locations are in Tigard, Milwaukie.
Who enforces the cap in Lake Oswego?
Complaints about a lender go to the Oregon Division of Financial Regulation (dfr.oregon.gov) — keep the loan agreement and every fee disclosure you were given.