A cash advance or payday loan is a small, single payment loan that’s taken out for a short period of time. These loans are usually no more than $1,000 and paid off within a month. Cash advances can come in very handy with more and more families across the country, including Oregon, living paycheck to paycheck.

There are so many situations in which even the smallest financial emergency can have some devastating results. What if your car was to break down and you didn’t have the cash to make the necessary repairs? You need your car to get to work so that you can make enough money to support your family. You may even lose your job if you’re unable to get reliable transportation. Let’s say that you’ll have the extra cash to make the necessary vehicle repairs in next week’s paycheck, but that won’t be until a week from Thursday. This is the perfect problem to be solved with a cash advance

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Instead of using your credit score to create a suitable loan for you, cash advances simply use a copy of your paycheck and stub (gross and net amounts) to create your loan. Many of these lenders require that your paycheck is directly deposited into your checking account by your employer.

One easy way to pay back cash advances is with the borrower writing a personal check out to the lender, post-dating it for the loan’s due date and including any fees that accompany the loan. When the loan becomes due, the lender simply deposits the personal check, applies the appropriate funds to the loan balance and keeps the fees.

Oregon state law has limited regulations for the payday loan industry:

The loan cannot be written for more than 60 days.

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* Cash-Advance-USA.org provides information and research on cash advances/payday loans. We are not a payday lender or broker, nor are we necessarily affiliated with the companies profiled on this site. Not all products and services are available in each state.