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Ustl is a payday loan lender in Portland, OR offering fast emergency cash loans from $100–$2,500 with online application and quick funding.
Data compiled from public sources
Ustl operates as a loan agency based in Portland, Oregon, located at 5108 SE Powell Blvd in the 97206 zip code. The company specializes in payday loans and emergency cash products designed for consumers who need quick access to funds. According to their website, Ustl positions itself within the emergency-cash lending space, offering small-dollar loans that range from $100 to $2,500.
The company maintains physical office hours (Monday–Friday, 9AM–5:30PM on Tuesdays, 9AM–5PM other weekdays; closed weekends) and provides a phone contact line at +1 (503) 771-1831 for customer inquiries. Ustl's primary service model revolves around a simple online loan application form that promises fast access to funds, positioning speed and convenience as core selling points. com with a response time of 1–2 business days, though they also claim 24/7 accessibility for inquiries.
The company is listed among alternative lenders in Oregon and appears in payday loan directories across the state. However, the website content is minimal and largely template-based, with limited company-specific details about loan terms, APR, eligibility requirements, or repayment options. The testimonials section contains generic praise about "prices" and "staff," but notably includes irrelevant comments about Walmart that suggest either poor content curation or template pollution from a larger directory platform.
This raises questions about whether Ustl maintains direct operational control over its web presence or relies heavily on third-party directory services for visibility.
Review lender profiles, APR ranges, fees, minimum-score fields, and funding-speed notes before deciding what to do next.
This is state-level context for Emergency Cash consumers in Portland, OR. It does not confirm that Ustl or this specific location is licensed.
State regulator
Oregon Division of Financial Regulation
Consumer protection
Status: Permitted
Rate context: 36% APR including all fees (Or. Rev. Stat. § 86.148)
Amount context: $$50,000 or 25% of gross monthly income, whichever is less
2007 reform established 36% APR cap, making traditional payday lending largely impractical in Oregon. Minimum 31-day term required. Lenders must participate in Oregon Payday Loan Database (OPLD). Borrower can have only one outstanding payday loan at a time. One-day waiting period required between loans.
Status: Permitted
Rate context: Governed by Oregon Consumer Finance Act; rates vary based on loan amount and lender licensing. Licensed consumer finance lenders subject to Or. Rev. Stat. § 83.010 et seq.
Installment loans regulated under Oregon Consumer Finance Act. Maximum rates and terms depend on specific loan classification and lender type. Finance charges must be clearly disclosed.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Ustl offers 9 services including Payday loans ($100–$2,500), Online loan application and submission, Fast loan funding (timeline not specified), Emergency cash loans, In-person customer service at Portland office location, and 4 more.
Ustl has profile signals associated with Borrowers in Portland, OR with poor credit seeking fast emergency cash ($100–$1K) for unexpected expenses, Consumers who prefer in-person service and want to visit a physical office to discuss loan options, Workers needing quick bridge loans between paychecks (though terms should be verified before applying).
Key strengths: Offers loan amounts from $100–$2,500, covering both micro-loans and larger emergency needs; Online application process advertised as simple and fast with promised quick funding; Physical office location in Portland with in-person customer service available during business hours. Areas to consider: Website lacks transparency on APR, fees, and interest rates—critical payday loan terms not disclosed; No specific information about loan repayment terms, payment schedules, or rollover policies.
In the Emergency Cash category, comparable providers include ACE Cash Express, ACE Cash Express, ACE Cash Express. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Ustl is positioned as a fast payday lender for Portland-area consumers in urgent need of $100–$2,500 in emergency cash. However, the website provides virtually no detail on APR, fees, repayment terms, or eligibility criteria—essential information for evaluating payday loans. Consumers should request complete disclosure of all loan terms, fees, and conditions before applying, and should verify Ustl's licensing and complaint history with Oregon's Division of Financial Regulation.
Beaverton, OR's ACE Cash Express at 3110 SW Cedar Hills Blvd offers payday loans, title loans, and check cashing services.
Profile signals: Consumers researching short-term cash access and preferring in-person transactions with staff assistance, Those seeking bundled financial services (check cashing plus short-term lending) at a single location
Portland's ACE Cash Express on NE Martin Luther King Jr Blvd provides payday and title-loan profile details with provider-stated same-day approval timing.
Profile signals: Consumers with vehicle equity seeking title loans for short-term cash access, Multi-service customers needing check cashing, bill payments, and loans from one provider
Portland, OR's ACE Cash Express on SE Division St offers payday loans, title loans, and check cashing services.
Profile signals: Consumers researching emergency-cash options within 24 hours without credit approval, Customers seeking to cash checks or pay bills outside traditional banking hours
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders are required to show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the lower-cost loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
The Military Lending Act protects active-duty servicemembers and their families from high-cost lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you may only be required to repay the principal — no interest or fees.
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Cash advances are a repeat-borrowing risk: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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