Car Title Loans in Oregon2026 Guide
Oregon prohibits high-interest title loans.
Legal Status & Regulations
Governing Law
Or. Rev. Stat. § 725A.010
Last Reviewed: April 2026
Law Summary
Oregon prohibits high-interest title lending through the Oregon Payday and Title Lending Act (Or. Rev. Stat. § 725A). The state enforces a strict 36% APR cap on all title loans, plus a one-time origination fee. This cap, combined with minimum loan terms of 31 days, effectively prevents the traditional high-cost title loan model from operating in the state.
Real Rate Example in Oregon
A $1,500 loan in Oregon at a typical market rate of APR over 30 days would result in approximately $150 in interest and fees. Always compare multiple offers to find the most competitive rate.
What Documents You Need
- A clear vehicle title in your name
- A valid government-issued ID (Driver's License)
- Proof of residency (Utility bill, etc.)
- Proof of income or ability to repay
- The vehicle itself for a quick inspection
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Title Loans Union Editorial Team
Consumer Finance & State Regulations Research
Our editorial team monitors state statutes, interest rate ceilings, and car title loan regulations across all 50 states. We analyze legal statutes, state regulatory filings, and consumer protection policies to provide clear, unbiased analysis of borrowing requirements and costs.
*Last reviewed: June 2026. Always verify with your state's financial regulatory body before applying. Laws change frequently.
Quick Info Card
Max Loan Amount
N/A
Max APR / Rate
N/A
Loan Term Range
Varies
Governing Body
OR Division of Financial Regulation