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Cash Advances in Oregon
The state of Oregon has instituted payday loan laws as recently as 2006, putting restrictions on term loan amount, term length, and other details in regards to payday loans. This came after a 2002 ruling in which an illegal payday loan operation was charging exorbitant amounts of interest on instant cash advances. The newly enacted laws of Oregon were created in order to remove the unlawful practices of the small percentage of illegal payday loan lenders, and allow those who are providing an honest, law abiding cash advance service to continue to operate.
Oregon allows for a maximum loan term of sixty days. Currently there is no cap on fees or annual percentage rate. The amount charged will be agreed upon by both the borrower and the payday lender before an agreement will be made. The loan can be no higher than 25% of the borrowers monthly net income. This law speaks specifically to the nature of a payday loan. Payday loans are meant to be paid off during the borrowers next pay period, so by making the maximum loan a smaller percentage of the borrowers monthly income, this increases the chance that the borrower will be able to repay the loan by the time the loan is up.
Oregon is one of the few states which bases their payday loan amount on a percentage of the borrowers monthly net income. Instant cash advances by nature are based on the the employment history and monthly income of the borrower. The state of Oregon has also made it easier for the borrower to repay the loan once the term has ended.
Sources : http://www.paydayloanlaws.com/paydayloan_west/?p=oregon http://www.credit.com/credit_information/credit_law/PaydayLoanLaws.jsp
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