Oregon Late Fee Calculator
Your late fee
$62.50
Check the statute
Paid 12 days late, after the 3-day grace period.
The Oregon rule is not a simple cap: only its earliest fee day is applied here, so compare your fee with the statute text below.
- Days past due
- 12 days
- Grace period ends
- October 1, 2026
- Earliest fee date
- October 2, 2026
- Lease late fee
- 5% of $1,250.00 = $62.50
- Rent + late fee
- $1,312.50
Oregon, earliest legal fee date: October 2, 2026
Next step: turn these figures into a late rent notice for the tenant.
Oregon rent late fee law
Oregon, ORS 90.260: a late charge needs a written rental agreement that states it, and it is allowed only when a monthly or weekly rental period reaches its fifth day without the rent having been received. The lease picks one limit: a reasonable flat amount once per period; a reasonable per-day amount starting on day five, no more than 6% of that flat amount per day; or 5% of the periodic rent per five-day period starting on day five, all within that rental period.
(1) A landlord may impose a late charge or fee, however designated, only if: (a) The rent payment is not received by the fourth day of the weekly or monthly rental period for which rent is payable; and (b) There exists a written rental agreement that specifies: (A) The tenant’s obligation to pay a late charge on delinquent rent payments; (B) The type and amount of the late charge, as described in subsection (2) of this section; and (C) The date on which rent payments are due and the date or day on which late charges become due. (2) The amount of any late charge may not exceed: (a) A reasonable flat amount, charged once per rental period. “Reasonable amount” means the customary amount charged by landlords for that rental market; (b) A reasonable amount, charged on a per-day basis, beginning on the fifth day of the rental period for which rent is delinquent. This daily charge may accrue every day thereafter until the rent, not including any late charge, is paid in full, through that rental period only. The per-day charge may not exceed six percent of the amount described in paragraph (a) of this subsection; or (c) Five percent of the periodic rent payment amount, charged once for each succeeding five-day period, or portion thereof, for which the rent payment is delinquent, beginning on the fifth day of that rental period and continuing and accumulating until that rent payment, not including any late charge, is paid in full, through that rental period only.
Late rent notice builder
Before you send it: this builds a reminder letter about overdue rent and a late charge. It is not an eviction notice. A notice to pay rent or quit is a separate document, and Oregon has its own rules for it. Nothing on this page is legal advice.
[Your name or company]
Date: October 10, 2026
To: [Tenant name]
[Rental property address]
Re: Overdue rent for [Rental property address]
Dear [Tenant name],
This letter is a reminder that the rent of $1,250.00 for [Rental property address] was due on September 28, 2026. As of October 10, 2026, $1,250.00 of it is still unpaid (12 days past due).
Your lease provides for a late charge, which comes to $62.50.
Amount now due
- Unpaid rent
- $1,250.00
- Late charge
- $62.50
- Total
- $1,312.50
Please pay $1,312.50 at your earliest opportunity.
If this letter crossed with your payment, please disregard it.
Regards,
[Your name or company]
How to use the Oregon rent late fee calculator
- Enter the monthly rent and the rent that is overdue.
- Enter the date the rent was due and the date it was paid, or today if it is still unpaid.
- Choose how the lease sets the late fee (percent of rent, flat amount or dollars per day) and type the figure from the lease.
- Enter the grace days written in the lease.
- Read the late fee and the earliest fee date, then copy the figures or print a late rent notice.
Work out interest on an overdue B2B invoice under Oregon law. The legal default rate — what applies when the contract is silent — is 9%, and the statute is quoted verbatim below. All math runs locally in your browser.
Legal rate on moneys after they become due; open accounts bear interest from the date of the last item.
Late fee breakdown
- Interest owed
- —
- Daily rate
- —
- Total (invoice + interest)
- —
Still unpaid? Generate a formal demand letter — it computes the interest and cites Oregon's statute (ORS 82.010) for you.
Worked example: Oregon invoice interest at 9%
Interest at Oregon's statutory default of 9% a year, worked out with the same formula as the calculator above: amount × (9% ÷ 365) × days. If your contract states its own rate, enter that rate in the calculator instead.
| Invoice amount | 30 days late | 60 days late | 90 days late |
|---|---|---|---|
| $1,000.00 | $7.40 | $14.79 | $22.19 |
| $5,000.00 | $36.99 | $73.97 | $110.96 |
| $10,000.00 | $73.97 | $147.95 | $221.92 |
What Oregon law says about invoice interest
[...] is nine percent per annum and is payable on: (a) All moneys after they become due; but open accounts bear interest from the date of the last item thereof. [...] no person shall: (a) Make a business or agricultural loan of $50,000 or less at an annual rate of interest exceeding the greater of 12 percent [...]
Quoted verbatim from the linked official source — not our paraphrase. How we source and re-check every row is documented in the data methodology.
Maximum late fee in Oregon — written B2B contracts
No statutory cap
The usury cap reaches only money LOANS of $50,000 or less. Ordinary trade credit / unpaid invoices aren't loans, so they're uncapped; larger loans are uncapped too.
Basis: ORS 82.010(3). Compare all 51 jurisdictions in the maximum late fee by state table and cap-regime map.
Rent and invoices follow different laws — consumer debt is not covered
The Invoice tab, the rate card and the statute sections on this page are about business-to-business invoices. Residential rent late fees live in Oregon's landlord-tenant law. On the Rent tab, ORS 90.260(1)-(2) is checked against your lease figures and quoted in full. Consumer credit has separate, stricter rules. The distinction is explained in B2B invoice late fees vs. residential rent.
Use this data
Oregon's row — rate, cap, citation, verbatim quote, verification date — is part of our open 51-jurisdiction dataset: CSV · JSON (CC BY 4.0, cite myinvoicetemplate.com). Set late-fee terms on your next invoice with the free invoice generator, or state them clearly using the wording guidance in the payment terms guide.
Oregon late fee FAQ
Is there a legal limit on rent late fees in Oregon?
Oregon, ORS 90.260: a late charge needs a written rental agreement that states it, and it is allowed only when a monthly or weekly rental period reaches its fifth day without the rent having been received. The lease picks one limit: a reasonable flat amount once per period; a reasonable per-day amount starting on day five, no more than 6% of that flat amount per day; or 5% of the periodic rent per five-day period starting on day five, all within that rental period. Source: ORS 90.260(1)-(2), checked 2026-10-03; the Rent tab quotes it word for word.
When can a landlord charge a late fee in Oregon?
Not before day 4 after the rent was due (ORS 90.260(1)-(2)). Enter the due date and the lease's grace days in the calculator to get the earliest date a fee may be charged.
How do I work out a late fee on rent in Oregon?
Enter the monthly rent, the overdue amount, the date the rent was due and the date it was paid, then the late fee in the lease (a percent of rent, a flat amount or dollars per day) and its grace days. The calculator gives the late fee, the earliest fee date and rent plus fee, and turns them into a late rent notice.
Can I charge late fees on overdue invoices in Oregon?
Yes — on business-to-business invoices. If your contract or invoice states a late-fee rate, that rate governs (subject to the cap rules below). If nothing was agreed: 9%. Legal rate on moneys after they become due; open accounts bear interest from the date of the last item. Statute: ORS 82.010, verified 2026-08-19. Consumer and rent debts follow separate laws.
What is the maximum late fee on a B2B invoice in Oregon?
For a written B2B contract: No cap on trade credit/invoices — the usury cap reaches only money loans of $50,000 or less; larger loans are uncapped. Basis: ORS 82.010(3). The full cap analysis is on the Invoice (B2B) tab; this covers business-to-business deals only — consumer credit has stricter separate caps.
What interest applies if my contract doesn't mention late fees in Oregon?
The statutory default rate of 9%. Legal rate on moneys after they become due; open accounts bear interest from the date of the last item. Statute: ORS 82.010 (verbatim quote on this page, verified 2026-08-19).
Where does this data come from, and when was it verified?
Every invoice-interest figure on this page comes from our 51-jurisdiction dataset: each row researched against the controlling statute or the state's official current-rate page, independently re-checked, and stamped with its own verification date — Oregon's row was last verified 2026-08-19. The operative legal text is quoted verbatim on this page with a link to the official source, the methodology is public, every verification pass is logged in the changelog, and the full dataset is downloadable (CC BY 4.0). For rent, the Rent tab quotes ORS 90.260(1)-(2) word for word, links its source and gives the date it was checked (2026-10-03).
Not legal advice. This page summarizes ORS 90.260(1)-(2) and Oregon's commercial-interest statute for general information, with the verification date shown above — it tells you when we last confirmed the figures, not that they are still current today. Statutes change and courts interpret them; verify the cited statute at the official source, or ask a licensed attorney in your state, before charging a late fee or demanding interest.