Payday cash advance · WA

Payday Loans in Washington

Before you borrow in Washington, know the ceiling the law already set: a $700 cap, terms of Max 45 days, a $45 maximum fee on a $300 loan. This page turns that statute into plain numbers — then the one-form request does the shopping.

Check Washington Offers → Tribal route

Cap $700 · Max 45 days

The numbers

What Washington law allows

A $300 payday advance in Washington carries up to $45.00 in fees — repay $345.00 (≈391% APR on the 14-day framing). The full statutory picture:

Same math on $500: $75.00 in fees, repay $575.00 — assuming the loan fits the cap.

Maximum loan $700
Maximum fee 15% on first $500 ($15 per $100), 10% on amount over $500
Term Max 45 days
Rollovers Forbidden
Approx. APR on $300 ~391% (14-day framing)
Statute RCW 31.45.010 et seq.
Regulator Washington State Department of Financial Institutions
Rescission End of next business day
Checked 2026-10-05 against Washington State Department of Financial Institutions publications · dfi.wa.gov

Payday loans in Washington by city

Local guides for the 20 largest Washington markets — same statute, same caps, local context:

How a Washington payday loan works

  1. One form. Submit the request — email, name, amount. About two minutes, soft check, free to ask.
  2. Lenders review it. Those licensed to serve Washington decide on your income and checking account — usually within minutes.
  3. Compare the disclosure. Whatever an offer says, the fee must fit the Washington numbers in the table above — that is your legality check.
  4. Repay once, on payday. One debit on the agreed date — the fee is the entire cost. If the date is wrong, ask about the state's extended payment plan before the due date.

Frequently asked questions

How much can a payday loan in Washington be?

The statute caps it at $700 per loan. Lenders cannot legally split one need into several tickets to evade the cap — and any offer above $700 is not a lawful Washington payday loan.

What does a $300 payday loan cost in Washington?

15% per $100 means a $300 loan carries up to $45.00 in fees — repay $345.00 on Max 45 days. That works out to roughly 391% APR on the two-week framing.

How fast can I get a payday loan in Washington?

Decisions arrive in minutes and funding moves by ACH: same business day when a lender approves you before its early-afternoon cutoff, otherwise the next business morning. Weekend applications fund on Monday.

What do I need to qualify in Washington?

Three basics: verifiable depositable income, an active checking account in your name, and being 18+ with valid ID. Decisions key on income and account health rather than a credit score, and seeing offers uses a soft check.

Check offers for Washington. The one-form request reaches lenders that serve your state — about two minutes, a soft check, and no fee to ask. Payday One Loans is not a lender; any offer comes from an independent lender under its own license and pricing.
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