McMinnville, OR · West · 36% APR cap
Payday loans in McMinnville
McMinnville 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 McMinnville
34,690 residents · Yamhill County Median household income is $45,588 — below the Oregon median of $54,309.
3 storefront locations of 3 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 |
|---|---|---|---|
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 865 Ne Hwy 99W Ste A, 97128 | (503) 435-1100 | Mon 9:00 AM - 7:00 PM · hours vary |
| CashCo Financial Services - McMinnville Installment Loans | 1411 N Highway 99W Suite A, 97128 | (503) 434-6566 | Mon–Fri 9:00 AM - 6:00 PM · Sat–Sun Closed |
| United Finance Co - McMinnville Installment Loans, Auto Loan Providers | 951 NW Adams St, 97128 | (503) 472-3121 | 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 McMinnville
Online lenders can serve McMinnville 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 McMinnville 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 McMinnville
Why doesn't McMinnville have classic payday stores?
Oregon caps small-loan APR at 36%, and that state cap applies in McMinnville 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 McMinnville?
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 McMinnville residents is not licensed here.
What lending storefronts are in McMinnville?
3 storefronts are listed in McMinnville in our 2022-02-20 directory snapshot (3 different companies). The full list with addresses, phones and hours is in the table above.
Who enforces the cap in McMinnville?
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.