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Oregon Interest Rates Laws

More Information on Interest Rate Laws

Legal Maximum Rate of InterestUnless otherwise agreed, 9% (§82.010)
Penalty for Usury (Unlawful Interest Rate)Forfeit interest on loan but borrower must repay the principal (§82.010)
Interest Rates on Judgments9% unless contract, then contract rate (§82.010)
ExceptionsBusiness or agricultural loan; loan under $50,000 (§82.010); financial institution or trust company as defined under §706.008, consumer finance license defined under Ch. 725, pawnbroker licensed under Ch. 726, lender approved under the National Housing Act, loans secured with real property, loan secured through U.S. government, securities or commercial paper, broker-dealers registered under the Securities Exchange Act of 1934 (§82.025)

Note: State laws are constantly changing -- contact an attorney or conduct your own legal research to verify the state law(s) you are researching.

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