Pendleton, OR · West · 36% APR cap
Payday loans in Pendleton
Pendleton 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 Pendleton
16,834 residents · Umatilla County Median household income is $46,772 — below the Oregon median of $54,309.
1 storefront location of 1 company listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| United Finance Co - Pendleton Installment Loans, Auto Loan Providers | 704 SW Emigrant Ave, 97801 | (541) 276-1111 | Mon–Fri 9:00 AM - 6:00 PM · Sat–Sun Closed |
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 Pendleton
Online lenders can serve Pendleton 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 Pendleton 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 Pendleton
Why doesn't Pendleton have classic payday stores?
Oregon caps small-loan APR at 36%, and that state cap applies in Pendleton 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 Pendleton?
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 Pendleton residents is not licensed here.
What lending storefronts are in Pendleton?
1 storefront is listed in Pendleton in our 2022-02-20 directory snapshot (1 different company). The full list with addresses, phones and hours is in the table above.
Who enforces the cap in Pendleton?
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.