Gresham, OR · West · 36% APR cap
Payday loans in Gresham
Gresham 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 Gresham
111,523 residents · Multnomah County Median household income is $46,956 — below the Oregon median of $54,309.
2 storefront locations of 2 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| CashCo Financial Services - Gresham Installment Loans | 1955 NE Divison -, 97030 | (503) 465-8484 | Mon–Fri 9:00 AM - 6:00 PM · Sat–Sun Closed |
| United Finance Co - Gresham Installment Loans, Auto Loan Providers | 21931 SE Stark St, 97030 | (503) 661-5626 | Mon–Fri 9:00 AM - 6:00 PM · Sat–Sun Closed |
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 Gresham
Online lenders can serve Gresham 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 Gresham 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 Gresham
Why doesn't Gresham have classic payday stores?
Oregon caps small-loan APR at 36%, and that state cap applies in Gresham 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 Gresham?
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 Gresham residents is not licensed here.
What lending storefronts are in Gresham?
2 storefronts are listed in Gresham in our 2022-02-20 directory snapshot (2 different companies). The full list with addresses, phones and hours is in the table above.
Who enforces the cap in Gresham?
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.