Car Title Loans in Oregon

Title loans are legal in Oregon, but the Oregon Revised Statutes Chapter 725A (ORS 725A.010(8)-(9)) limits what a lender may charge: 36 percent per annum, excluding a one-time origination fee (ORS 725A.062(1)); origination fee limited to one fee per loan including all renewals of $10 per $100 of the loan amount or $30, whichever is less (725A.062(2)). Loans Inc connects Oregon residents with participating independent lenders that offer this product. We are not a lender; the lender you are matched with decides whether to approve you and on what terms. This page explains what Oregon law allows, who enforces it, and what to check before you sign.

Are title loans legal in Oregon?

Yes, with a rate cap. The provisions that apply are ORS 725A.010(8)-(9) (definitions); 725A.020 (licensing requirement); 725A.056 (loan disclosure, receipt, prepayment); 725A.058 (advertising); 725A.060 (prohibited conduct generally); 725A.062 (prohibited conduct for title loan lender); 725A.080 (complaint notice).

The operative language in the statute reads: “a person may not conduct business as a payday loan lender or a title loan lender unless the person obtains a license under ORS 725A.024”

Who regulates title lenders in Oregon

Title lenders in Oregon are supervised by the Oregon Department of Consumer and Business Services, Division of Financial Regulation. You can check whether a lender holds a current license through the regulator’s license lookup. Complaints about a lender go to the regulator and can also be filed with the Consumer Financial Protection Bureau.

Rate caps and fees in Oregon

36 percent per annum, excluding a one-time origination fee (ORS 725A.062(1)); origination fee limited to one fee per loan including all renewals of $10 per $100 of the loan amount or $30, whichever is less (725A.062(2)); no other fee or interest except one dishonored-check/NSF fee of not more than $20 per transaction and the actual database access charge (725A.062(5); 725A.060(1)(c)-(d)). DFR licensing page states lenders are limited to ‘No more than 36 percent per annum’ plus ‘A one-time 10 percent loan origination fee, up to a maximum of $30’ and that the maximum APR possible is 153.77 percent.

Separately, federal law caps the Military Annual Percentage Rate at 36% for active-duty service members and their dependents on most consumer credit, including title loans (Military Lending Act, 32 CFR Part 232).

Rates, fees, and repayment terms are set by the lender you are matched with and vary by state. Before you sign, the lender will give you a full written disclosure of the APR, fees, payment schedule, and total cost. Loans Inc does not set or guarantee any loan terms.

What the Oregon cap means in dollars

Illustrative only. On a $1,000 loan for 31 days, the maximum finance charge allowed by ORS 725A.062 (36% per year plus a one-time origination fee of the lesser of $10 per $100 or $30) is about $31, plus a fee of up to $30, for a total repayment of about $1,061. A lender may charge less than the maximum, and the written disclosure the lender gives you before you sign is the figure that counts. This is an illustration of a statutory ceiling, not an offer from any lender.

Loan terms in Oregon

Minimum term 31 days (725A.062(3)); by definition the loan agreement specifies a term of not more than 60 days and requires repayment in a single payment (725A.010(8)(a)(B)); DFR: ‘Loan terms must be 60 days or less. (If longer than 60 days, a consumer finance license is required.)’ Maximum two renewals of a loan secured by one title (725A.062(9)); one outstanding title loan per title (725A.062(8)); no new title loan within seven days after full repayment (725A.062(10)); no loan to a consumer who has not fully repaid an outstanding payday or title loan (725A.060(1)(e)); good-faith belief in ability to repay required per director’s rules (725A.062(4)).

Repossession rules in Oregon

A title loan contract may not include a clause that permits interest to continue after the vehicle has been repossessed (725A.062(6)(e)); lender may not require or accept a set of keys (725A.062(7)); licensee may recover amounts associated with collecting a defaulted loan that are authorized by statute or awarded by a court (725A.060(2)).

A title loan is secured by your vehicle. If you do not repay according to the loan agreement, the lender may repossess your vehicle. Late or missed payments may be reported and may affect your credit. If you are struggling to pay, contact the lender before the due date; the options available to you are set by the loan agreement and Oregon law.

Your rights as a borrower in Oregon

At loan origination a written statement in English showing names/addresses, amount, date, maturity or payment terms, interest rate and charges, and nature of the security (725A.056(1)); receipt for payments on request (056(2)); borrower may pay any amount in advance at any time (056(3)); on payoff the note is marked ‘Paid’, security released and canceled note returned (056(4)). Prohibited clauses: hold-harmless, confession of judgment, waiver of claims or defenses, executory exemption waivers (725A.062(6)(a)-(d)). Every title loan contract must state in at least 12-point type that the consumer may file a complaint with the DFR director (725A.080(2)). A loan made without a license is void and may not be collected (725A.020(2)). No false, misleading or deceptive advertising (725A.058). No wage assignments, blank instruments, or powers of attorney other than to transfer vehicle ownership (725A.060(1)(a)).

How title loans work in Oregon: requirements and process

Lenders in our network typically ask Oregon applicants for:

• A vehicle title in your name, free of other liens
• A government-issued photo ID
• Proof of income or ability to repay
• Proof of Oregon residence
• A vehicle inspection, often completed with photos

You apply once through our site; the lender you are matched with reviews the application and vehicle and makes the approval decision. Read how our matching service works and the difference between a direct lender, a broker, and a lead generator. In Oregon, the statutory maximum is $50,000: a title loan is ‘A loan of not more than $50,000, other than a purchase money loan’ secured by the title to a motor vehicle, recreational vehicle, boat or mobile home (ORS 725A.010(8)(a)). Many lenders in our network can fund approved loans as soon as the same business day. Timing depends on the lender’s approval, when you apply, document verification, and your bank’s processing.

Alternatives to a title loan in Oregon

Before you borrow against your car, compare lower-cost options available to Oregon residents. Federal credit unions can offer payday alternative loans with capped rates; use the NCUA credit union locator to find one near you. Dial 211 or visit 211.org for local emergency assistance programs. Nonprofit counselors listed by the National Foundation for Credit Counseling can help with a repayment plan. Our guide to title loan alternatives compares each option and when it costs less.

Frequently asked questions

Sources

Loans Inc is not a lender and does not make loans in any state. The information on this page is drawn from the sources listed below and is provided for general education. The lender you are matched with is responsible for complying with the laws of your state. Last reviewed 15 September 2026 by the Loans Inc Editorial Team. Next review due March 2027.