Who regulates auto loans in Oregon?

Oregon's Division of Financial Regulation licenses consumer auto lenders. Visit dfr.oregon.gov to verify a lender's license or file a consumer complaint.

Does Oregon have rate caps on auto loans?

Oregon's consumer lending laws set rate limits for installment loans. Verify current applicable caps with the Division of Financial Regulation at dfr.oregon.gov.

What credit score do I need for an auto loan in Oregon?

Most bank and credit union lenders start at 620 FICO. Oregon's strong credit union sector (SELCO Community, Unitus Community) is competitive for mid-credit borrowers.

Are title loans regulated in Oregon?

Oregon regulates title loan companies through the Division of Financial Regulation. Oregon's title loan rules are more restrictive than many states — verify current rules at dfr.oregon.gov.

How do I file an auto loan complaint in Oregon?

Contact Oregon's Division of Financial Regulation at dfr.oregon.gov or the CFPB at consumerfinance.gov for disputes about auto loan terms or lender conduct.

Auto Loans in Oregon

Oregon's urban-rural divide means Portland metro borrowers have access to a large competitive lender pool, while rural Oregon borrowers rely on national online direct lenders. Oregon's outdoor recreation culture drives high demand for trucks and SUVs.

Current auto loan rate benchmarks

National averages from the Federal Reserve G.19 (live data) — commercial banks, new car loans. Not state-specific rates — not a rate quote. Your actual rate depends on credit score, down payment, vehicle, and lender.

60-Month New Car

7.52%

National avg, commercial banks — February 2026

72-Month New Car

7.55%

National avg, commercial banks — February 2026

Credit Unions

Typically 1–2 pts below banks

NCUA rate comparison →

Illustrative example — not a rate quote or offer

$35,000 loan · 60 months · 7.52% APR (Federal Reserve G.19 (live data) national benchmark)

Est. monthly