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Find Payday Loan Companies in Washington

Governing law in state:
Payday loans are legal in Washington. To issue these short-term loans, cash advance businesses are required to be licensed in the state and to have a small loan endorsement to their payday loan license. The license must be displayed in plain view and list a schedule of fees. Washington law prohibits a cash advance company from holding a check or checks that exceed $700 including permissible fees from any one customer at a given time. Payday loan providers have a private right of action against defaulting borrowers; however, they cannot bring criminal proceedings for collection purposes. 

Maximum loan amount:
A borrower can request up to $700 in cash advance loans.

Loan terms:
The loan term is 31-45 days.

Extensions:
Payday loan stores are not permitted to offer consumers an extension or rollover.

Fees and charges:
A check cash advance creditor is allowed to charge customers a fee or interest rate that is not greater than 15% of the initial $500 of the principal. For amounts ranging from $501 to $700, the lender may charge 10% of the loan amount. The finance charge for a two-week loan in the amount of $100 loan is $15. A borrower may charge a one-time $25 NSF (non-sufficient funds) fee as well as collection costs.

Fee schedules and APR:
The APR for a two-week loan in the amount of $100 is 390%.

Payday Companies

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Banner Bank

8203 W Quinault Ave,
Kennewick, Washington 99336
(509) 735-3337
Banner Bank is an institutional company offering world class financial services with the assistance of dedicated team of professionals. Banner Bank pr...
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2

American Lenders Services Co

403 E Kennewick Ave,
Kennewick, Washington 99336
(509) 586-3650
American Lenders Services Company aims to be the leader justifying collateral recovery services nationwide. American Lenders Services Company offers f...
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3

Money Tree

228 N Benton St,
Kennewick, Washington 99336
(509) 586-0555
Wanted smooth and satisfying payday loan services? Here comes Moneytree, it's fast and simple as you can get. Simple steps that would make your life e...
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4

Armada Corporation

1045 W Columbia Dr,
Kennewick, Washington 99336
(509) 586-0848
Ensuring credibility and dignity, Armada Corporation is the perfect choice. In debt collection, Armada Corporation has been leader for 65 years. Not j...
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5

Micro Loans Northwest

19920 Washington 99,
Lynnwood, Washington 98036
(425) 673-9100
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Washington Loan Statistics
2012 2011 2010
Average Loan525552520
Average Age363738
Pay Schedule
  Weekly11%8%10%
  Bi-Weekly50%53%47%
  Monthly20%19%22%
  Twice Per Month19%19%22%
Home Owner16%19%18%
Renter84%81%82%
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