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Title Loans Oregon

If you reside in Oregon, you know how difficult it can be to deal with financial emergencies. However, if you own a vehicle, there is a way to access quick funding via a car title loan. In this comprehensive guide, we will go over everything you need to know about title loans Oregon, including how they work, their benefits, drawbacks, and more.

Title Loans in Oregon FAQ’s
Where to get a title loan in Oregon

When you are in Oregon and in need of a title loan, TFC Title Loans is here to help. We offer title loans in Oregon, providing quick, flexible financial solutions to meet your needs. Our team is committed to excellent customer service, offering competitive rates and personalized support throughout the loan process.

Who does title loans in Oregon?

There are several lenders in Oregon that offer title loans. The most popular option is TFC Title Loans. When considering a title loan, it’s important to research and compare different lenders to find one who offers competitive rates. Additionally, make sure to review the terms and conditions of the loan agreement carefully before proceeding.

Are title loans legal in Oregon?

Yes, title loans are legal in the state of Oregon. However, there are regulations in place to protect borrowers. In Oregon, title loans are governed by specific laws that limit the interest rates and fees that lenders can charge.

What Are Title Loans Oregon?

Title loans Oregon are a type of secured loan that allows you to use your car or any other vehicle as collateral. The lender determines the loan amount based on the value of your car, and you get the cash in exchange for the car title. The loan term typically ranges from 30 days to a few years, and you have to pay back the loan amount with interest.

How Do Title Loans Oregon Work?

When you apply for car title loans Oregon, the lender inspects your vehicle to determine its value. Then, they offer you a loan amount based on that value, which can range from a few hundred dollars to thousands of dollars. If you accept the loan amount, you have to sign a contract that outlines the loan terms, including the interest rate, fees, and repayment schedule. Once you sign the contract, you give the lender your car title, and they become the lienholder.

During the loan term, you have to make regular payments to the title loan lender in Oregon, which includes both the principal and interest. Failure to make timely payments can lead to penalties, late fees, and even repossession of your car. Once you pay off the title loans in Oregon, the lender removes the lien from your car title, and you get the title back.

Car title loans are legal in Oregon, but there are certain regulations that lenders must follow. For instance, the interest rate cannot exceed 36% per annum, and the loan term must be at least 31 days. Additionally, the lender has to be licensed by the state, and they cannot charge prepayment penalties.

Benefits of Oregon Title Loans

Title Loans Oregon

There are several benefits of getting a car title loans Oregon, including:

1. Quick Access to Cash

One of the most significant benefits of online title loans in Oregon is that you can get access to cash quickly. The application process is straightforward, and you can often get approved within a few minutes or in 24 hours. If you are eligible, you can receive the funds in your bank account on the same day or the next business day.

2. Bad credit Ok

Unlike traditional loans, car title loans do not always require a credit check. This means that even if you have a poor credit history, you can still qualify for car title loans in Oregon. Instead of your credit score, the lender focuses on the value of your vehicle and your ability to repay the loan.

3. Keep Your Car

Another advantage of car title loans in Oregon is that you can keep your car during the loan term. You can continue using your car for your daily commute and other activities, as long as you make loan payments timely. Once you pay off the loan, the lender removes the lien from your car title, and you get the title back.

4. Flexible Repayment Options

Most car title lenders in Oregon offer flexible repayment options to borrowers. You can choose the repayment schedule that works best for you, whether it’s weekly, bi-weekly, or monthly. Additionally, some lenders offer the option to extend the loan term if you need more time to repay the Oregon car title loans.

5. Lower Interest Rates

Compared to other types of short-term loans, car title loans usually have lower interest rates. This is because they are secured loans, which means that the lender has collateral to back up the loan. Additionally, the interest rates for car title loans Oregon are capped at 36% per annum, which is much lower than the rates charged by payday lenders

Drawbacks of Oregon Car Title Loans

While there are many benefits of title loans Oregon, there are also some drawbacks to consider, including:

1. Risk of Repossession

If you fail to make timely payments on your car title loan, the lender can repossess your car. This means that you could lose your primary mode of transportation, which could make it challenging to get to work or other important places.

2. High Fees and Charges

In addition to the interest rate, car title lenders in Oregon can also charge other fees and charges, such as origination fees, processing fees, and late fees. These fees can add up quickly and make the loan more expensive than you initially thought.

3. Short Loan Terms

Car Title Loans Oregon typically have short loan terms, ranging from 30 days to a few years. This means that you have to pay back the loan quickly, which can be challenging if you have other financial obligations.

4. High-Interest Rates for Bad Credit Borrowers

While car title loans Oregon do not require a credit check, lenders may charge higher interest rates if you have bad credit. This means that you could end up paying more in interest than someone with good credit.

How to Apply for Car Title Loans Oregon

To apply online for a car title loan in Oregon, follow these steps:

1. Find a Reputable Lender

The first step is to find a reputable car title lender in Oregon. Look for lenders that are licensed by the state and have positive reviews from previous customers. You can also ask for recommendations from friends and family.

2. Gather Your Documents

Once you have found a lender, gather the necessary documents, including your car title, driver’s license, proof of income, and proof of insurance.

What is the title loan law in Oregon?

You must provide the lender with your automobile title and the lender holds it until the loan is paid according to Oregon title loan law.

3. Fill Out the Application

Next, fill out the lender’s online application form and provide all the required information, including your name, address, phone number, and email address. You will also need to provide information about your vehicle, including the make, model, year, and mileage.

4. Wait for Approval

After submitting your application, wait for the lender to review it and determine if you qualify for a loan. If you are eligible, the lender will contact you to discuss the loan terms and provide you with a loan agreement to sign.

5. Receive Your Funds

Once you sign the loan agreement, the lender will transfer the funds to your bank account. You can then use the funds for whatever purpose you need.


Car title loans Oregon can be a useful option for people in Oregon who need access to quick cash. Title Loans Oregon offer several benefits, including quick access to cash, no credit checks, flexible repayment options, and lower interest rates. However, they also come with some drawbacks, such as the risk of repossession, high fees and charges, short loan terms, and high-interest rates for bad credit borrowers. If you decide to apply for a car title loan in Oregon, make sure you choose a reputable lender and read the loan agreement carefully before signing it.

If you are looking for a reliable car title lender in Oregon, consider TFC Title Loans. We offer competitive interest rates, flexible repayment options, and excellent customer service. Contact us today to learn more.


TFC Title Loans is delighted to extend its services to residents throughout Oregon, encompassing major metro areas.



DISCLAIMER: As our policy to make sure you know what we do and what are our limitations, we offer you these disclaimers. We are NOT A LENDER and we do not make short term cash loans or credit decisions. We are a referral service and work only with licensed lenders/brokers.

We may act as the broker for the loan and may not be the direct lender. Loan proceeds are intended primarily for personal, family and household purposes. We do not offer or service student loans.

*Loan amounts by the lenders vary based on your vehicle and your ability to repay the loan.

*Since we do not lend money directly we cannot offer you a solicitation for a loan, except in the state of California. In all other serviced states we WILL match you with a lender based on the information you provide on this website. We will not charge you for this service and our service is not available in all states. States that are serviced by this Web Site may change from time to time and without notice. Personal Unsecured Loans and Auto Title Loans are not available in all states and all areas.

*Auto Title Loan companies typically do not have pre-payment penalties, but we cannot guarantee that every lender meets this standard. Small Business Loans typically do have pre-payment penalties and occasionally will use your car as collateral to secure the loan.

*All lenders are responsible for their own interest rates and payment terms. TFC Title Loans has no control over these rates or payments. Use of the work competitive or reasonable does not mean affordable and borrowers should use their own discretion when working directly with the lender.

*The amount of people who applied for a loan and we helped and those who received a loan is not the same. We cannot guarantee we will find a lender who will fund you.Just because you give us information on this web site, in no way do we guarantee you will be approved for a car title loan or any other type of loan. Not all lenders can provide loan amounts you may see on this web site because loan amounts are limited by state law and/or the lender. Some lenders may require you to use a GPS locator device on your car, active all the time. They may or may not pay for this or charge you for this. This is up to the lender and we have no control over this policy of the lender. Typically larger loans or higher risk loans use a GPS.

*In some circumstances faxing may be required. Use of your cell phone to receive updates is optional.

*Car Title Loans are expensive and you may have other ways to get funding that is less expensive. These types of loans are meant to provide you with short term financing to solve immediate cash needs and should not be considered a long term solution. Residents of some states may not be eligible for a loan. Rejections for loans are not disclosed to our firm and you may want to contact the lender directly.

*Car Title Loan lenders are usually licensed by the State in which you reside. You should consult directly with these regulatory agencies to make sure your lender is licensed and in compliance. These agencies are there to protect you and we advise making sure any lender you receive money from is fully licensed.

*Trading Financial Credit, LLC dba TFC Title Loans, Car Title Loans California, Dineromax. If you are using a screen reader and are having problems using this website, please give us a call at 1-844-242-3543 for immediate assistance.

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