Cash Advance and Payday Loans in Portland, OR

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Payday loans are a type of cash advance designed to be repaid with the borrower’s next paycheck. Payday lending is legal in the State of Oregon and can easily be accessed by Portland residents.

Advantages of Taking Out a Payday Loan in Portland

Unlike some traditional loans, these short-term advances can be applied to a variety of costs,

from vehicle repair to medical expenses. In addition, it might be easier to qualify for payday loans than traditional loans.

People turn to short-term loans for many reasons, despite their high-interest rate. The reasons one might get a payday loan in Portland, OR, include the following situations:

  • Unable to get a bank loan quick enough
  • Unexpected utility bills forcing you to choose which bills to pay
  • Credit card debt that’s high and might grow even higher due to automatic raises in interest rates for late payments
  • Recovery from weather-related and other disasters, such as floods, wind damage, fire, or vandalism

Payday loans are fast, convenient, and straightforward. Short-term loans work like a cash advance from an employer, except direct lenders make the loans. ACH, or automated clearinghouse, authorizations have become the standard way that borrowers repay their loans. ACH authorizations work for both bank accounts and debit cards. Some borrowers write a postdated check to cover the payday loan and interest charges, which is dated when the loan is due.

These partial guarantees of repayment mean that payday lenders may approve loans for more people. The benefits of short-term loans for Portland residents include:

  • The quick and convenient application process
  • Easier qualification for people with bad credit, no job, and no bank account
  • Fast approvals
  • Ability to apply for a loan anytime, anywhere
  • Transparency of loan costs and repayment obligations
  • Receipt of loan funds more quickly than funds from other loans

How to Get a Cash Advance and Payday Loan in Portland?

Getting a payday loan in Portland is fast and easy with the streamlined application process. Potential borrowers can apply online or in-person at a lender.

The lender handles the verifications and record searches, so applicants may need to supply the following information:

  • Proof of identity, age, and current address
  • Social Security identifying number
  • Bank information or a loadable debit card
  • Employer information and estimate of net income on the applicant’s next paycheck
  • Information about any alternative income sources, if the applicant chooses to use them

Payday lenders may approve people who are self-employed and those who receive money from alternative sources. These include government benefits, royalties for intellectual property, investment income, child support payments, alimony payments, and trust fund payments. Applicants need to provide documentation of the income, including the amount and date when paid.

Cash Advance and Payday Loan Requirements

Requirements vary by lender. To request a payday loan, you may need to:

  • Be 18 years or older
  • Have a Social Security number
  • Have proof of residence
  • Have a stable source of income
  • Have a phone number and email address

Meeting these requirements does not guarantee loan approval.

Cost and Regulations of Cash Advance and Payday Loans in Portland, OR

The costs and regulations of payday loans in Portland, OR, are as follows:

  • Capped interest rates as well as total dollars spent on a loan
  • Repayment terms that range from 31 days to 60 days
  • Two allowed rollovers
  • Maximum APR of 36%
  • $50,000 limit on loan amounts for qualified borrowers

Installment Loans in Portland

An installment loan is a type of short-term loan that is paid back in monthly installments rather than a large one-time payment. Many payday lenders will offer installment loans in addition to traditional payday loans. These loans may be most beneficial for those borrowing large amounts, as they can sometimes come with a year-long repayment period.

Requesting Title Loans in Portland

Portland residents may apply for title loans, also known as car title loans. These loans are guaranteed with vehicular collateral, including cars, trucks, or motorcycles. To apply for a title loan, you must follow the basic steps for applying to a regular payday loan. In addition, you must present the hard copy of the vehicle’s title to the lender. Your chosen title loan lender will then determine the value of your vehicle and offer you a loan amount based on the total value of the vehicle. Vehicles offered as collateral must not have a lien attached to them.

To be eligible for a title loan, Portland residents must have:

  • A government-issued photo identification
  • Proof of residency
  • A home address, email address, and phone number
  • Name of employer or company name, or alternative revenue source
  • Photos of their vehicle
  • The hard copy of a vehicle title

Requirements may vary by lender.

Favorite Portland, OR, Cash Advance and Payday Loan Companies

Portland, OR, residents looking for small-dollar loans have many lenders to choose from. Most lenders have both websites and storefront locations in Portland. Reputable payday lenders include Speedy Cash and ACE Cash Express.

Speedy Cash has several storefront locations in Portland as well as a website where you can apply for a loan. Speedy Cash offers a multitude of loan products including title loans, payday loans, lines of credit, and installment loans. You can apply for most products online or over the phone. To apply for a car title loan, you will likely need to visit a Portland store location.

ACE Cash Express is one of the top-rated nationwide lending companies. They have seven locations in Portland, most of which are accessible by public transport lines. ACE’s Portland locations offer payday loans, installment loans, title loans, prepaid debit cards, and check cashing. You can apply for payday loans, installment loans, and prepaid debit cards online, or visit their store for a title loan and more.

No matter which lender you borrow from, it is wise to check the Nationwide Multistate Licensing System’s website to ensure they are licensed to operate in the state of Oregon.

Company name
Address
Phone
A A A Check Centers Inc
5132 Ne Mlk Blvd Portland OR, 97211
503-284-5443
A-1 Check Cashing
7129 Northeast Fremont Street Portland OR, 97213
503-493-3981
Ace Cash Express
12965 Southwest Pacific Hwy Portland OR, 97223
503-684-6629
ACE CASH EXPRESS
13607 Se Powell Blvd Portland OR, 97236
503-762-0990
ACE CASH EXPRESS
7332 Se Powell Blvd Portland OR, 97206
503-281-4440
ACE CASH EXPRESS
12965 Sw Pacific Hwy Portland OR, 97223
503-684-6629
ACE CASH EXPRESS
16502 Se Division St Portland OR, 97236
503-760-4600
ACE CASH EXPRESS
2722 N Lombard St Portland OR, 97217
503-285-2929
ACES QUICK CASH
4916 Se Division St Portland OR, 97206
503-234-4784
Advance America
16200 Southwest Pacific Hwy Portland OR, 97224
503-639-3904
ADVANCE AMERICA
9055 Sw Barbur Blvd Ste 1 Portland OR, 97219
503-892-9800
ADVANCE AMERICA
9141 Se Powell Blvd Portland OR, 97266
503-771-2700
ADVANCE AMERICA
1724 Ne 122nd Ave Portland OR, 97230
503-408-1600
ADVANCE AMERICA
5215 N Lombard St Portland OR, 97203
503-285-4949
ADVANCE AMERICA
14447 Se Division St Portland OR, 97236
503-760-6706
ADVANCE AMERICA
5640 Ne M L King Blvd Portland OR, 97211
503-282-4646
Advance Payday Loans
Lloyd Centre Portland OR, 97201
503-281-2212
ALLIED CASH ADVANCE
17256 Se Mcloughlin Blvd # B Portland OR, 97267
503-654-0442
ANYDAYS PAYDAY
10075 Sw Barbur Blvd Ste 5 Portland OR, 97219
503-452-5000
Burnes Business Machines
Po Box 20282 Portland OR, 97294
503-252-6067
Cash & Go
11211 Se 82Nd Ave Ste O Portland OR, 97266
503-652-8552
Cash & Go
1444 Northeast 102Nd Avenue Portland OR, 97220
503-252-6717
Cash & Go
11211 Southeast 82Nd Avenue Portland OR, 97266
503-652-8552
CASH & GO
1444 Ne 102nd Ave Portland OR, 97220
503-252-6717
Cash Conection 14
2515A N Portland Blvd Portland OR, 97217
503-233-2274
Cash Connection
17185 Southeast Mcloughlin Boulevard Portland OR, 97267
503-653-1515
Cash Connection
11902 Southeast Stark Street Portland OR, 97216
503-255-2274
Cash Connection
3840 Southeast Powell Boulevard Portland OR, 97202
503-235-6669
Cash Connection
2929 Southeast Powell Boulevard Portland OR, 97202
503-233-2274
CASH CONNECTION
11608 Sw Pacific Hwy Portland OR, 97223
503-968-1010
CASH CONNECTION
Market Place 10802 Se Oak St Portland OR, 97222
503-653-6400
CASH CONNECTION
8100 Sw Beaverton Hillsdale Hw Portland OR, 97225
503-546-3799
CASH CONNECTION
2929 Se Powell Blvd Portland OR, 97202
503-233-2274
CASH CONNECTION
5600 Ne M L King Blvd Portland OR, 97211
503-287-6669
Cash Flow Management Inc
5530 Southeast Center Street Portland OR, 97206
503-774-1399
Cash Store
4124 Southeast 82Nd Avenue Suite 650 Portland OR, 97266
503-771-2431
Cash Store
11945 Southwest Pacific Highway Suite 202 Portland OR, 97223
503-639-2900
Cash Store
14751 Southeast Mcloughlin Boulevard Portland OR, 97267
503-513-6000
Cash Store
11950 Northeast Glisan Street Portland OR, 97220
503-257-3380
Cash Store
3622 Northeast Sandy Boulevard Portland OR, 97232
503-236-7344
CASH STORE
11945 Sw Pacific Hwy Portland OR, 97223
503-639-2900
CASH STORE
3624 Ne Sandy Blvd Portland OR, 97232
503-236-7344
Check Cash Pacific
42Nd & Sandy Portland OR, 97201
503-281-5265
CHECK CASH PACIFIC
16705 Mcloughhn Portland OR, 97086
503-659-5240
CHECK CASH PACIFIC
82nd and Powell Portland OR, 97086
503-771-0169
Check Cash Pacific - Clackamas
16705 Southeast Mcloughlin Boulevard Portland OR, 97267
503-659-5240
Check Cash Pacific - Downtown
418 Southwest 2Nd Avenue Portland OR, 97204
503-274-2765
Check Cash Pacific - Gresham
19043 Southeast Stark Street Portland OR, 97233
503-492-6111
Check Cash Pacific - Southeast
82Nd & Powell Portland OR, 97201
503-771-0169
Check Cash Pacific Inc
418 Sw 2Nd Ave Portland OR, 97204
503-274-2765
Check Cash Pacific Inc
19043 Se Stark St Portland OR, 97233
503-492-6111
Check Cash Western Union
8201 Southeast Powell Boulevard Portland OR, 97201
503-771-0169
CHECK CASHED PAY DAY LOANS
16705 Mcloughlin Blvd Clackama Portland OR, 97086
503-659-5240
CHECK CASHED PAY DAY LOANS
Se 82nd & Powell Southeast Portland OR, 97086
503-771-0169
CHECK CASHED PAY DAY LOANS
8201 Se Powell Blvd Ste C Portland OR, 97266
503-775-6882
CHECK CASHING
12131 Se Powell Blvd Portland OR, 97266
503-762-2224
Check Into Cash
14210 Southeast Stark Street Portland OR, 97233
503-252-8088
Check Into Cash
7901 Southeast Powell Boulevard Portland OR, 97206
503-771-6356
CHECK INTO CASH
14210 Se Stark St Portland OR, 97233
503-252-8088
CHECK INTO CASH
Po Box 86631 Portland OR, 97286
503-771-6356
Check Mart
1610 Northeast Broadway Street Portland OR, 97232
503-287-6581
Check Mart
1951 West Burnside Street Portland OR, 97209
503-226-4394
CHECK MART
1957 W Burnside St Portland OR, 97209
503-226-4394
CHECK MART
1724 Ne Broadway St Portland OR, 97232
503-287-6581
CHECK MART
5132 Ne M L King Blvd Portland OR, 97211
503-284-5443
Check-Mart
5132 Northeast M L King Boulevard Portland OR, 97211
503-284-5443
Cummins-Allison Corporation
5691 Southeast International Way Suite B Portland OR, 97222
503-654-7323
F & E Sales & Services
1636 Northwest Marshall Street Portland OR, 97209
503-223-0507
Hanson Management Corp
11902 Se Stark St Portland OR, 97216
503-255-2274
High Speed Cash
Stark Portland OR, 97201
503-256-9778
High Speed Cash
12231 Southeast Stark Street Portland OR, 97233
503-256-9778
High Speed Cash
Portland Portland OR, 97201
503-256-4685
HIGH SPEED CASH
4911 Ne Sandy Blvd Portland OR, 97213
503-256-4524
I Tech Corp
12025 Ne Sumner St Portland OR, 97220
503-408-7461
Idealist Financial Services
2940 Northeast M L King Boulevard Portland OR, 97212
503-284-1191
Monetary Management Of Ca Inc
17218 Se Powell Blvd Portland OR, 97236
503-491-5994
MONEY MART
625 Sw Alder St Portland OR, 97205
503-224-9930
MONEY MART
1511 Ne 181st Ave Portland OR, 97230
503-465-6527
MONEY MART
17218 Se Powell Blvd Ste C Portland OR, 97236
503-491-5994
MONEY MART
2613 Se 122nd Ave # D Portland OR, 97236
503-762-5525
New Loan Mart
1511 Northeast 181St Avenue Portland OR, 97230
503-465-6527
PACIFIC FINANCE
82nd and Powell Portland OR, 97086
503-775-3405
PACIFIC FINANCE
418 Sw 2nd Portland OR, 97086
503-274-2765
Pacific Finance - Southeast
82Nd & Dowell Portland OR, 97201
503-771-0169
Paycheck Advance
East Portland OR, 97201
503-254-2489
Paycheck Advance
Portland Portland OR, 97222
503-785-1400
Paycheck Advance
17030 Southeast Mcloughlin Boulevard Portland OR, 97267
503-785-1400
Paycheck Advance
10584 Southeast Washington Portland OR, 97214
503-254-2489
Paycheck Advance Llc
11940 Southwest Pacific Highway Portland OR, 97223
503-598-1818
Paycheck Advance N W Inc
Montgomery Park Plaz Portland OR, 97201
503-229-0433
Paycheck Advance Nw, Inc
2701 Northwest Vaughn Street Portland OR, 97210
503-229-0433
Paymaster Northwest
1020 Northwest 17Th Avenue Portland OR, 97209
503-227-5455
Qc Financial Services Inc
3354 Se Powell Blvd Portland OR, 97202
503-230-2930
QUIK CASH
10929 Ne Sandy Blvd Portland OR, 97220
503-255-4445
RAPID CASH
19026 E Burnside St Portland OR, 97233
503-665-7535
RAPID CASH
3849 Se Powell Blvd Portland OR, 97202
503-239-5225
Speedy Cash
12131 Southeast Powell Boulevard Portland OR, 97266
503-762-2224
The Bank Of Tokyo-Mitsubishi Limited - Foreign Remittance & Trav
Portland Portland OR, 97201
503-222-3710
The Cash Store
Portland Portland OR, 97201
503-771-2431
The Cash Store
11950 Northeast Glisan Street Portland OR, 97220
503-627-3380
The Cash Store
Glisan Street & 242Nd Portland OR, 97201
503-491-8880
The Cash Store
At Glisan At & 122Nd Portland OR, 97201
503-257-3380
The Cash Store
At 36Th & Sandy Portland OR, 97201
503-236-7344
THE CASH STORE
10175 Sw Barbur Blvd Portland OR, 97219
503-452-0772
THE CASH STORE
11950 Ne Glisan St Portland OR, 97220
503-257-3380
Urgent Money
11608 Southwest Pacific Highway Portland OR, 97223
503-968-1010
URGENT MONEY
8028 Se Powell Blvd Ste 105 Portland OR, 97206
503-777-2274
Urgent Money Service
8028 Southeast Powell Boulevard Suite 105 Portland OR, 97206
503-777-2274
WESTERN UNION
4139 Ne Sandy Blvd Portland OR, 97212
503-281-5265
WESTERN UNION
16705 Se Mcloughlin Blvd Portland OR, 97267
503-659-5240
WESTERN UNION
8201 Se Powell Blvd Portland OR, 97266
503-771-0169
WESTERN UNION
40th & Sandy Portland OR, 97086
503-281-5265
WESTERN UNION
2nd & Morrison Portland OR, 97086
503-274-2765

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