Payday Loans in Washington (WA)

Do you need fast cash to tide you over? We have listed all lenders that offer you qucik cash in Washington for your reference. Just simply refer to the list and pick out the one that meets your requirements.

$2,500
Get StartedWant to borrow more than $5,000? Click here!
Find Payday Loans Near Me
  • All
  • Payday Loans
  • Installment Loans
  • Personal Loans
  • Title Loans
    Use My Location

    Our Top Online Loan Services

    • AD
      Personal Loans
      4.9
      24/7 Accesssible
      • Various personal loan options
      • Loan amount up to $35000
      • Reasonable rates
      Apply Now →Go to website →
    • AD
      Bad Credit Loans
      4.8
      WeLoans' rating
      • Ideal for borrowers with bad credit
      • No collateral needed
      • Flexible repayment terms
      Apply Now →Go to website →
    • AD
      Cash Advance
      4.8
      WeLoans' rating
      • Decision as fast as several minutes
      • No extra fees required
      • Easy and safe process
      Apply Now →Go to website →

    15 Best Payday Loans & Cash Advance in Washington (WA)

    We present you with a list of all lenders who can give you fast money in Washington. To get the financial help, kindly check the following details and see whether the information will help you or not.

    • 5.0
      AllStarAllStarAllStarAllStarAllStar
      (490)
      • Address:
      • 6920 220th St SW, Mountlake Terrace, WA 98043, United States
      • Phone:
      • +1 800-683-0973
      • Open hours:
    • 4.9
      AllStarAllStarAllStarAllStarHallStar
      (764)
      • Address:
      • 11255 Kirkland Way Ste 100, Kirkland, WA 98033, United States
      • Phone:
      • +1 425-445-1945
      • Open hours:
    • 5.0
      AllStarAllStarAllStarAllStarAllStar
      (384)
      • Address:
      • 901 1st St Suite 3A, Snohomish, WA 98290, United States
      • Phone:
      • +1 206-582-5985
      • Open hours:
    • 4
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (376)
      • Address:
      • 3400 188th St SW Suite 400, Lynnwood, WA 98037, United States
      • Phone:
      • +1 425-478-7676
      • Open hours:
    • 5
      4.9
      AllStarAllStarAllStarAllStarHallStar
      (530)
      • Address:
      • 3301 E Sprague Ave, Spokane, WA 99202, United States
      • Phone:
      • +1 509-535-2251
      • Open hours:
    • 6
      4.9
      AllStarAllStarAllStarAllStarHallStar
      (362)
      • Address:
      • 10325 Pacific Ave S, Tacoma, WA 98444, United States
      • Phone:
      • +1 253-507-5429
      • Open hours:
    • 7
      4.9
      AllStarAllStarAllStarAllStarHallStar
      (316)
      • Address:
      • 1011 E Main Ave Suite 303, Puyallup, WA 98372, United States
      • Phone:
      • +1 253-232-6330
      • Open hours:
    • 8
      4.7
      AllStarAllStarAllStarAllStarHallStar
      (771)
      • Address:
      • 315 E Francis Ave, Spokane, WA 99208, United States
      • Phone:
      • +1 509-487-1644
      • Open hours:
    • 9
      4.9
      AllStarAllStarAllStarAllStarHallStar
      (286)
      • Address:
      • 3055 112th Ave NE Suite 203, Bellevue, WA 98004, United States
      • Phone:
      • +1 425-401-8787
      • Open hours:
    • 10
      4.8
      AllStarAllStarAllStarAllStarHallStar
      (386)
      • Address:
      • 811 S Main St, Deer Park, WA 99006, United States
      • Phone:
      • +1 509-276-1644
      • Open hours:
    • 11
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (203)
      • Address:
      • 10700 Woodinville Dr, Bothell, WA 98011, United States
      • Phone:
      • +1 877-953-2733
      • Open hours:
    • 12
      4.6
      AllStarAllStarAllStarAllStarHallStar
      (1614)
      • Address:
      • 8021 S Tacoma Way, Tacoma, WA 98499, United States
      • Phone:
      • +1 253-589-2200
      • Open hours:
    • 13
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (187)
      • Address:
      • 7710 NE Greenwood Dr Suite 150, Vancouver, WA 98662, United States
      • Phone:
      • +1 360-524-7189
      • Open hours:
    • 14
      4.7
      AllStarAllStarAllStarAllStarHallStar
      (489)
      • Address:
      • 3030 E Sprague Ave, Spokane, WA 99202, United States
      • Phone:
      • +1 509-535-1644
      • Open hours:
    • 15
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (150)
      • Address:
      • 2200 Rimland Dr Suite 110, Bellingham, WA 98226, United States
      • Phone:
      • +1 360-389-6605
      • Open hours:
    View More →

    Washington Payday Loans Regulations

    • Loan Amount (max)

      $700 or 30% of gross monthly income

    • Loan Term (max)

      45 days

    • Finance Charges

      <$500 = 15%; >$500 = 10%

    • APR
      391%

    Business concerning payday loans in Washington is Legal. The law states that there is a $700 or 30% of gross monthly income amount limit offered by the lenders. Borrowers here can hold a payday loan for a period of not longer than 45 days. The maximum finance charge is <$500 = 15%; >$500 = 10%, and the APR is 391%.0 rollovers are permitted in thie state.

    How Is the Loan Amount Regulated in Washington?

    The maximum loan amount in Washington is $700 or 30% of a person’s gross monthly income, whichever is less.

    Loan Cost in Washington

    For every $100 loan for 2 weeks, the maximum charge is $15. Also according to the payday loan brochure from Washington State Department of Financial Institutions (DFI), the rate of a payday loan of $500 or less is 15%, and the one from $500 to $700 has a rate of 10%.

    The annual percentage rate for a Washington payday loan can be as high as 391%.

    Cost Calculation For a $100 Payday Loan in Washington

    If the term is 14 days:

    APR: 391%

    Loan cost: $100 * 391% * (14 / 365) = $15.0

    Total amount to return: $100 + $15.0 = $115.0

    What Is the Maximum Loan Term in Washington?

    • The minimum term is 45 days and at most 8 loans every 12-month period are permitted. And also “under Washington law, your loan term must be your next pay date or the pay date after that if your first payment date is within 7 days of the date the loan is made. The loan term cannot be longer than forty-five days unless you enter into an installment plan or otherwise agree to a longer loan term”. (DFI’s Payday Loan Brochure)
    • Borrowers of payday loans in Washington are required to have a repayment schedule. Notifying the lender on or before the due date comes with no cost. For a loan of $400 or less, a 90-day repayment schedule should be offered, and for a loan higher than that, there should be at least 180 days.
    • Rollovers, renewals or extensions of a loan are not allowed in Washington.

    Consumer Information

    Attention

    According to rule changes by the Consumer Financial Protection Bureau, starting from July 2020, lenders are not obligated to check whether a borrower is able to pay back a loan. Think carefully before you decide to borrow a payday loan, and manage your money spending reasonably to avoid debt trap.

    • Non sufficient funds should not go over $25.
    • Collection costs are allowed.
    • No criminal action against borrowers is considered legal in Washington.

    To know more about the payday lending regulations in Washington or file a complaint against a lender, you can visit the DFI official website.

    Single out Payday Loans in Washington by Cities

    It is a breeze to get an online payday loan in Washington. Just hit your target city and pick out the lender who matches with your financial status.

    View More Cities →

    Calculator for Washington Payday Loans Estimate

    Utilize the calculator below to keep yourself informed about the estimated total costs of a payday loan in Washington.

    Estimated Payment

    $ null

    • Total Principal Paid:$ 1,000.00
    • Finance charge:$ 255.62
    • APR: 311.00 %

    Payment Breakdown

    Washington Payday Loans at Your Local Area

    Pawn 1 Monroe St
    4.7
    AllStarAllStarAllStarAllStarHallStar
    (305)
    Pawn shop
    Advance America
    5.0
    AllStarAllStarAllStarAllStarAllStar
    (146)
    Financial institution
    PRMG - Team Justice
    5.0
    AllStarAllStarAllStarAllStarAllStar
    (136)
    Mortgage lender