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Current Payday Lenders in Washington – Terms, Rates, Legislation

The list of payday lenders in certain state

  1. Moneytree

    • Website:
    • Address: 58266, Seattle, WA 98188
    • Service: Online
    • State: California, Colorado, Idaho, Nevada, Washington
  2. Check Into Cash

    • Website:
    • Address: 201 Keith Street, Suite 5 Cleveland
    • Service: Online/Offline
    • State: Alabama, Alaska, California, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Kansas, Louisiana, Mississippi, Missouri, Nevada, Oklahoma, Oregon, Tennessee, Texas, Utah, Washington, Wisconsin, Wyoming
  3. Cash Central

    • Website:
    • Address: 5165 Emerald Parkway, Suite 100, Dublin, OH 43017
    • Service: Online
    • State: Alabama, California, Delaware, Florida, Idaho, Kansas, Minnesota, Mississippi, Missouri, Nevada, North Dakota, South Carolina, Tennessee, Utah, Washington, Wisconsin, Wyoming
  4. Speedy Cash

    • Website:
    • Address: P.O. Box #780408 Wichita, KS 67278
    • Service: Online
    • State: Alabama, Alaska, Arizona, California, Colorado, Delaware, Hawaii, Idaho, Illinois, Kansas, Louisiana, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, Wyoming
  5. CashinaMoment

    • Website:
    • Address: 113 Skyler Ln, Phoenix, OR 97535
    • Service: Online
    • State: Almost all US states
  6. MoneyLion

    • Website:
    • Address: 30 West 21st Street Ninth Floor New York, NY 10010 USA
    • Service: Online
    • State: Almost all US states
  7. WeLoans

    • Website:
    • Address: 2020 S.Hacienda Boulevard STE M Hacienda Heights CA 91745, USA
    • Service: Online
    • States: All US states

    • Website:
    • Address: Unknown
    • Service: Online
    • States: Alabama, Alaska, Arizona, California, Colorado, Delaware, Washington
  9. 1F Cash Advance

    • Website:
    • Address: 1942 Broadway St., STE 314C, Boulder, CO 80302
    • Service: Online
    • States: California, Colorado, Florida, Illinois, Kansas, Kentucky, Michigan, Missouri, New Jersey, Ohio, Oklahoma, Oregon, Pennsylvania, Tennessee, Texas, Wisconsin, Washington
  10. MaybeLoan

    • Website:
    • Address: Unknown
    • Service: Online
    • States: Almost all US states

Are payday loans legal in Washington?

Washington allows to issue payday loans. The maximum amount should not be over $700. This amount is equal to 30% of the gross monthly income. The maximum term measures up to 45 days. The average APR for a $300 payday loan is 391%.


  • Legal Status: Legal
  • Interest Rate (APR): 391%
  • Minimum Amount: Not Specified
  • Maximum Amount: $700
  • Minimum Term: Not Specified
  • Maximum Term: 45 days
  • Number of Rollovers: Not allowed
  • Restrictions: Allowed only 8 payday loans per 12-month term
  • Finance Charges:
    $500 = 10%
  • Statute of Limitations: 6 years (from the last payment)
  • Database Loan Tracking: Yes

Am I eligible for a payday loan in Washington?

Payday loan borrowers in Washington must first fulfill certain requirements to qualify for cash advance. Get acquainted with definite requirements:

  • be at least 18 years old;
  • be a citizen of the United States;
  • source of income – consistently earn money;
  • proof of income;
  • active bank account;
  • have a working email and phone number at all times.

Payday loan amounts in Washington

Maximum Loan Term: Maximum Loan Amount: Maximum Fee:
45 days $700 or 30% of your gross monthly income, whichever is less 15% on the first $500 and 10% above $500

Maximum term for a payday loan in Washington

The maximum loan term is 45 days. Under Washington law, your loan term must be your next pay date. You should control your repayment schedule. The term cannot be longer than 45 days unless you enter into an installment plan or otherwise agree to a longer term.

It is allowed to get rollovers, renewals, extensions in Washington. There is a strict requirement for borrowers to repay payday loans. A 90-day schedule is offered for a debt of $400 or less and at least 180 days for debts that are over this amount.

Rates, fees and other charges in Washington

Amount Borrowed Cost of Loan
$100 $115
$200 $230
$300 $345
$400 $460
$500 $575
$600 $685
$700 $795

What is the statute of limitations on a payday loan in Washington?

Washington is allowed to function payday lending companies if they meet the state laws. The regulatory law is Wash. Rev. Code Ann. 31.45.010 et seq. Payday lenders are controlled by the “Chapter 31.45 RCW – Check Cashers and Sellers”.

Payday lenders wishing to operate in the state are obliged to have a license. The responsible institution is The Washington State Department of Financial Institutions (DFI). It issues licenses and also regulates the payday lending industry in the very state. You can verify a license of a payday lender online.

ALL lenders in Washington must obtain a license from the DFI and follow limits and terms. Online payday lenders have to meet this requirement together with offline lenders.

The license should be in the public eye to all the clients. In addition, the servive have to show a copy of the fee charts. Before starting such a business, the man is to post a bond and pay the fee. After getting the Department of Financial Institutions’ approval, it is significant to pay the annual fees off.

Consumer information

  • NSF should not move beyond $25;
  • Collection expenditures are allowed;
  • Any criminal actions against borrowers are not legally allowed.