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Payday Loans in Washington — Laws, Limits & Online Lenders

Compare licensed payday lenders in Washington. One application, multiple offers, no credit impact.

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Washington Payday Loan Laws at a Glance

Max Loan Amount $700
Max APR 390%
Max Term 45 days
Rollovers Prohibited after 8th loan in 12 months
Cooling-Off Period None
Governing Statute Wash. Rev. Code § 31.45

How to Get a Payday Loan in Washington

Getting a payday loan in Washington is straightforward. Fill out the form above with your basic information — name, address, income, and bank account details. Our network of Washington-licensed lenders reviews your application and presents offers based on your profile.

You compare terms, choose the offer that works best for you, and funds are deposited directly into your bank account — often the same day or next business day.

Requirements for Washington Borrowers

  • Must be 18 years or older (resident of Washington)
  • Active checking account
  • Regular source of income
  • Valid government-issued ID
  • Not active-duty military

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What to Know Before Borrowing in Washington

Under Wash. Rev. Code § 31.45, payday lenders in Washington may charge up to the state maximum on qualifying loans. Make sure you understand the total repayment amount before accepting any offer. If you cannot repay on time, contact your lender immediately — Washington may require lenders to offer an extended payment plan.

For more information on payday loan regulations across all states, see our Washington and other state payday loan laws.

Payday Loans by City in Washington

Select your city for local payday loan information, lender options, and Washington regulations that apply to your area.

Seattle Spokane Tacoma Vancouver Bellevue Kent Everett Renton Federal Way Yakima Bellingham Kirkland Auburn Lakewood Kennewick Redmond Olympia

Washington Payday Loan FAQ

Are payday loans legal in Washington?

Yes. Payday loans are legal in Washington under Wash. Rev. Code § 31.45. Lenders must be licensed by the state banking regulator.

How much can I borrow in Washington?

The maximum payday loan amount in Washington is $700. Your actual loan amount depends on your income and the lender's assessment.

What is the maximum APR in Washington?

The maximum APR for payday loans in Washington is approximately 390%. Actual rates vary by lender within this limit.

Can I roll over a payday loan in Washington?

Prohibited after 8th loan in 12 months

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