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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Max Loan Amount
N/A
Max APR / Rate
N/A
Loan Term Range
Varies
Governing Body
OR Division of Financial Regulation