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Are title loans legal in Oregon?

By Lenditup Editorial Team · Law last verified · How we verify

Yes. Title loans are legal in Oregon, and lenders must follow ORS 725A.062.

Title loan rules in Oregon at a glance

Title loan rules in Oregon
Title-loan lawORS 725A.062
Rate cap36% per annum, plus a one-time origination fee of $10 per $100 capped at $30
Fees the law allowsOne fee for the life of the loan: $10 per $100 or $30, whichever is less (ORS 725A.062(2))
Loan termAt least 31 days
Rollovers and renewals2 rollovers
RepossessionAllowed after default
Owe the balance after the car is sold?Yes, the lender may collect what the sale did not cover. Check the statute for any minimum balance
Lender licenseRequired
StatuteORS 725A.062

Source: ORS 725A.062 (read the law). We last checked it against the statute on May 10, 2026. See title loan laws in every state.

What a title loan costs in Oregon

Under Oregon's rate rules, borrowing $1,000 for 6 months costs $137.59 in interest or fees, so you repay $1,137.59 (45.75% APR). Your offer may differ.

Example title loan costs in Oregon
LoanTermInterest and feesTotal repaidAPR
$1,0006 months$137.59$1,137.5945.75%
$5,0006 months$567.93$5,567.9337.96%
$10,0006 months$1,105.85$11,105.8536.98%

The examples above already include the fee Oregon allows: One fee for the life of the loan: $10 per $100 or $30, whichever is less (ORS 725A.062(2)). The lender's written disclosure must show the APR with it.

What happens if you can't repay

If you fall behind, the lender can repossess your car. Read the default and notice terms in your contract before you sign. If the car is sold for less than you owe, the lender may be able to collect the difference. Some states allow this only when the unpaid balance is above a set amount, so check the statute or ask the lender.

If you think you will miss a payment, call the lender before the due date and ask what options it offers.

Looking for a loan in Oregon?

A title loan puts your car at risk, so compare it with a personal installment loan first. If a title loan is still the right fit, you can send one request and see what lenders and lending marketplaces in our network offer.

Start a title loan request

Lenditup is not a lender. Sending a request does not mean you will be approved; each lender sets its own rates and terms within Oregon law.

Title loan questions for Oregon

01What is the most a title lender can charge in Oregon?
36% per annum, plus a one-time origination fee of $10 per $100 capped at $30. Your contract must show the APR before you sign.
02How long is a title loan in Oregon?
At least 31 days, under Oregon law.
03Can I roll over a title loan in Oregon?
2 rollovers. Each renewal adds cost, so ask for the total you will repay.
04What happens if I can't repay a title loan in Oregon?
If you fall behind, the lender can repossess your car. Read the default and notice terms in your contract before you sign. If the car is sold for less than you owe, the lender may be able to collect the difference. Some states allow this only when the unpaid balance is above a set amount, so check the statute or ask the lender.
05Is Lenditup a title lender in Oregon?
No. Lenditup is not a lender. We connect you with lenders and lending marketplaces in our network, and the lender you choose sets your rate and terms within Oregon law.

Title loan laws in other states

Compare every state side by side on the state title loan law table, or read how title loans work and what lenders ask for.