A 36% interest cap plus a separate origination fee pushes the real cost closer to 154% APR.
What a Cash Advance Costs in Oregon
Oregon caps interest at 36%, but permits a separate origination fee of 10% per $100 (up to $30), which combined pushes the effective APR on a typical cash advance to around 154%.
Loan Size, Term, and Renewal Rules
That's a meaningfully different — and higher — real cost than the headline 36% rate alone would suggest.
| Factor | Rule |
|---|---|
| Interest cap | 36% |
| Origination fee | 10%/$100, up to $30 |
| Effective APR | ~154% |
Verify current rules with the Oregon Division of Financial Regulation before applying with any lender — this summary is for general information only, not legal advice.
Comparing Your Options in Oregon
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