Bend, OR · West · 36% APR cap
Payday loans in Bend
Bend is governed by Oregon's statewide lending law — cities don't set their own loan rules. Oregon does not license classic two-week payday pricing: a 36% APR cap keeps typical payday fees out of the market. The storefronts that remain sell installment products under that cap.
Classic payday pricing is not licensed here, so treat any two-week, high-fee offer as a red flag.
Lending storefronts in Bend
91,122 residents · Deschutes County Median household income is $52,989 — below the Oregon median of $54,309.
| Nearest storefronts | Town | Phone |
|---|---|---|
| The Equitable Finance Company | Redmond 16 mi | (541) 548-9117 |
| CashCo Financial Services - Springfield | Springfield 85 mi | (541) 736-8600 |
| CashCo Financial Services - Lebanon | Lebanon 85 mi | (541) 259-4600 |
| CashCo Financial Services - Eugene | Eugene 88 mi | (541) 246-2370 |
| Credit Concepts | Eugene 88 mi | (541) 342-8545 |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Oregon page before visiting. Spot an error? Report it.
The online route in Bend
Online lenders can serve Bend without a storefront — but Oregon's 36% cap reaches any lender licensed in the state, wherever it is based. Loans routed through partner banks or tribal charters sit outside that cap, and regulators dispute the structure.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Oregon regulator.
The rules behind the numbers
Payday loans in Oregon are subject to interest rate caps, fee limits, and mandatory minimum loan terms.
In practice: borrow $300 for a standard term and the finance charge is $39.17 — $339.17 repaid at the end, about 154% APR. Every compliant lender in Bend has to fit inside that schedule.
Statute: ORS § 725A.010 et seq.
Regulator: Oregon Division of Financial Regulation · dfr.oregon.gov
Questions people ask in Bend
Why doesn't Bend have classic payday stores?
Oregon caps small-loan APR at 36%, and that state cap applies in Bend exactly as everywhere else. At 36% a two-week $300 loan earns a lender about $4 — so classic payday pricing can't legally operate here.
What can I legally borrow in Bend?
Installment loans priced under the 36% cap, federal credit-union PALs, and employer advances are the lawful routes. Any storefront or site advertising two-week, high-fee payday pricing to Bend residents is not licensed here.
What lending storefronts are in Bend?
Our 2022-02-20 directory snapshot lists no storefront lenders in Bend — the closest listed locations are in Redmond, Springfield, Lebanon.
Who enforces the cap in Bend?
Complaints about a lender go to the Oregon Division of Financial Regulation (dfr.oregon.gov) — keep the loan agreement and every fee disclosure you were given.