Washington Payday Loans
- No hard credit check
- Instant approval
- Same-day funding
- Up to $700 from a direct lender
Why Trust Us?
1F Cash Advance has been providing emergency loans since 2019. We are licensed and operate under state laws. Over 140,305 consumers have already benefited from our services, both online and in stores.
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If you need a short-term loan for small financial emergencies, 1F Cash Advance can help. We offer payday loans in Washington with no denials based on bad credit. Our small-dollar loans provide quick access to cash till your next payday, allowing you to cover unexpected expenses, such as unforeseen bills or emergency repairs.
How Payday Loans Work in Washington
Payday loans come in the form of a lump-sum deposit that you need to repay in full after receiving your next paycheck. In Washington, you can borrow up to $700 or 30% of your gross monthly income, whichever is less. The maximum repayment period set under state law is 45 days. Borrowers can only get eight payday loans for a 12-month period. No rollovers, renewals, or extensions are allowed in the state.
Consumer Information
Payday loans should be used for short-term emergency expenses only. They are not intended for your long-term needs or ongoing costs. Since July 2020, lenders are not obliged to check your ability to repay the funds. Be careful and evaluate your financial situation before applying to avoid getting trapped in a cycle of debt.
How to Apply for a Loan
1F Cash Advance has an easy loan request process that you can complete in just 3 simple steps:
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Submit your application. Apply online using our fast and secure form, visit the nearest store, or complete the process over the phone by calling (425) 250-6119.
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Get approved. Your application and documents are verified in minutes, so you will get a loan decision almost instantly.
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Receive the funds. If approved, the money will be deposited into your bank account on the same* or next business day.
*Same-day funding is subject to qualifications and limitations. Restrictions may apply. Processing times vary. Loans originated before 10:30 am on a banking day are usually deposited on the same day. Applications submitted after 10:30 am or on weekends are processed on the next business day.
What Will You Need to Apply?
To request a loan, you need to provide just a few basic items:
- Valid government-issued photo ID
- Social Security Number
- Active bank account number and routing number
- Proof of income
- Proof of Washington address
- Valid email and phone number
Rates & Terms
Payday loans in Washington come with a maximum finance charge of 15% for the first $500 borrowed and 10% for the amount over $500. At 1F Cash Advance, you can borrow up to $700 and repay the funds over up to 30 days.
If you fail to repay the money in time, an NSF fee of up to $25 may be charged. You may request a 90-day or 180-day repayment plan with no additional cost, provided that you do it on or before the loan is due.
See sample costs for a 14-day payday loan:
| Loan Amount | Finance Charge | Total Payback Amount | APR |
|---|---|---|---|
| $100 | $15 | $115 | 391.07% |
| $300 | $45 | $345 | 391.07% |
| $500 | $75 | $575 | 391.07% |
| $700 | $95 | $795 | 353.83% |
Payday Loan Alternatives
If you’re seeking emergency loans in Washington State, here are a few lower-cost alternatives to payday loans to consider.
Installment Loans
Installment loans from 1F Cash Advance come with a maximum loan amount of $5,000 you can get for up to 24 months. The ability to repay the funds in a series of equal monthly installments makes the loan easier to handle.
Payday Alternative Loans
These loans are offered by credit unions as a cheaper and more flexible alternative to payday loans. CU members can borrow up to $1,000 with the ability to repay over 1 to 6 months. Interest rate is capped at 28%.
Credit Card Loans
Credit cards often allow you to withdraw money within a certain limit via an ATM or an issuer’s store. No preliminary application or verification is needed. However, cash advance APRs are higher than those on regular purchases and accrue immediately.
Find 1F Cash Advance in Washington
Looking for a fast cash loan? Our professional team is always here to provide expert advice and help you complete the process.
Branch name: 1F Cash Advance Washington
Address: 17306 140th Ave NE, Woodinville, WA 98072
Phone: (425) 250-6119
Email: [email protected]
Branch Manager: Sandy J. Stevens
Hours:
Monday – Friday: 8:00 am to 10:00 pm
Saturday: 9:00 am to 6:00 pm
Sunday: Closed
Need a payday loan in another state? Head to our location page and find a store near you.
Why Choose 1F Cash Advance?
1F Cash Advance aims to help people find the best possible loan solutions for their unique situations. Here are some reasons why you should choose us.
Secure Process
We protect your sensitive information using modern encryption protocols and never share your data with unaffiliated third parties.
Fast Funding
The money will be deposited into your bank account within 1 business day of approval. Same-day funding is possible for loans originated before 10:30 am on weekdays.
Licensed Company
We're licensed by the Washington State Department of Financial Institutions and follow all the state rules and regulations to ensure your safe borrowing experience.
Reviews From Our Happy Customers
exceptional service
had a really good time at 1f cash Advance explained everything to me in a way I understood also gave me some awesome tips on managing loans that I never wouldve thought of myself and just exceptional service!
expected getting a loan to be tiring
expected getting a loan to be tiring, but Dove made it smooth and stress-less and their chill attitude and expertise made a difference she even shared practical ideas on budgeting and staying on top of payments.
Taking this loan out went way smoother…
Taking this loan out went way smoother than I thought managers weren’t just professional but also pretty friendly, which made the whole thing less nerve-wracking their advice on handling the payments and keeping my credit solid was useful too. Its cool to see a finance place act like real people for a change!
recommend
if your looking to get a loan, I’d recommend going to check this place out for sure. The folks there are friendlier than your cousin Jed, and they’ll give you real solid advice on budgeting and dealing with debt that makes sense. They turned what couldve been a real stressful thing into a nice casual chat between friends
I’m very happy.
Their customer service really stood out. I had a question about repayment terms, and they explained everything in detail without making me feel pressured. I’m very happy with my experience.
FAQ
Are payday loans legal in Washington?
Yes, both in-store and online payday loans in Washington state are legal if they are issued by a licensed lender or lending company.
How much can I borrow with a payday loan?
State law limits a payday loan amount to $700 or 30% of their gross monthly income, whichever is less.
What is the maximum Washington payday loan APR?
The maximum APR for a 14-day payday loan is 391.07%. A finance charge can't exceed 15% of the amount borrowed.
Can I get a payday loan with bad credit?
Yes, our payday loans don't have minimum credit score requirements. We assess your income, debts, payment history, and employment status when determining your loan eligibility.
How long does it take to get approved for a payday loan?
Our approval process typically takes less than 1 hour. Most applicants receive their loan decisions in a matter of minutes.
How do I repay my loan?
An online loan repayment is made automatically from your bank account on a maturity date. If you apply at a store, you can provide a post-dated check on the full amount you owe.
What if I miss the due date or my payment returns?
Missed payments involve a one-time NSF fee of $25. If your loan becomes delinquent, it may also affect your credit score. Contact your lender before the due date and ask for a payment plan to avoid extra costs.
What if I change my mind and decide I don't need a loan?
Under Washington law, you have the right to change your mind about a loan within one day. This way, you can return the loan principal to a lender without paying any extra fees.