Payday Advance Loan

A Payday Advance Loan from Oregon State Credit Union is an affordable alternative to payday loans from predatory lenders who charge extremely high rate and fees.

Learn more by comparing our Payday Advance Loan rates and features with standard payday loan offers. Another alternative is to use our Credit and Debt Toolkit.

  • See Payday Advance Loan interest rates.

  • No loan fee

  • $50-$500 loan amount – cannot exceed 20% of net base income

  • Fast approval

  • Term: 30 days or next payday, whichever is first

  • Interest is based on what is owed, not a fee charged upfront.


  • Member must be in good standing with the credit union on all account shares and loans

  • Must be a member of the credit union for a minimum of 90 days

  • Must be at current job a minimum of 6 months - verbal verification of employment and current pay stub are required

  • Credit report is NOT required after the member's first Payday Advance loans

Apply for a Payday Advance Loan

Apply at an Oregon State Credit Union branch or call 800-732-0173.

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