Payday Loans in Washington
Payday Loans in Washington

Online Payday Loans in Washington

  • No hard credit checks
  • For unplanned expenses
  • Bad credit score OK
  • Trusted direct lenders
  • Reasonable APRs
  • No additional fees
Written by Latoria Williams

Advertiser Disclaimer


1F Cash Advance is a financial platform that doesn’t offer loans. We connect you to potential lenders but don’t promise you'll get approved for a loan. The terms, rates, and fees may be discussed with the lender you were approved with. We recommend getting advice from a financial expert about dealing with money struggles without risky loans. For more information, read our full Legal Disclaimer.

Advertiser Disclaimer


1F Cash Advance is a financial platform that doesn’t offer loans. We connect you to potential lenders but don’t promise you'll get approved for a loan. The terms, rates, and fees may be discussed with the lender you were approved with. We recommend getting advice from a financial expert about dealing with money struggles without risky loans. For more information, read our full Legal Disclaimer.

Need cash as soon as possible? 1F Cash Advance helps you to connect with reliable direct lenders in Washington state. We are ready to provide you with loan offers that will suit your needs. Washington payday loans are well-regulated which protects you from various malpractices. Additionally, you get more flexibility in repayment terms than residents of other states. Online loans through 1F Cash Advance come with almost instant approval and are available 24/7, even with bad credit.

Rates & Terms

Payday loans are legal in Washington according to Wash. Rev. Code Ann. 31.45.010 et seq.1. Here are some things to keep in mind:

  • You may get up to a $700 payday loan, but not exceeding 30% of your monthly income.
  • The repayment period can be up to 45 days and rollovers are not allowed.
  • Washington also regulates the APR with the upper limit being equal to 391%.
  • Additional fees vary depending on the amount of the principal: for a $500 loan, it's 15%, for higher amounts ― 10%.
  • You can have a total of 8 loans within 12 months.
  • If needed, you may get a repayment plan for 90-180 days without any additional fees if you notify the lender on or before the payment date.

How Do Cash Advance Loans Work Online?

In Washington, online cash advances work similar to other loan products. Here's an overview of a typical borrowing experience with 1F Cash Advance:

  • Application. Consumers apply online on our website by filling in the application form with their contact details and submitting it.

  • Lender’s Decision. We send your request to our lending partners for review. You’ll receive an almost instant answer, usually within just a couple of minutes.

  • Terms and Conditions. If the lender approves your loan request and sends you a loan offer, read its terms and conditions. Sign the agreement if everything looks good.

  • Funding. You can expect your money within 1 to 2 days as a direct transfer to your bank account.

  • Repayment. On the due date, the loan provider will withdraw the money from your bank account. Be sure to have sufficient funds to avoid late fees and damage to your credit score.

1F Cash Advance works with a network of trusted direct lenders that provide quality financial products for borrowers who need emergency cash.

Representative Example

Below are illustrative examples of online payday loans with different interest rates and repayment periods.

Amount Borrowed Fees APR Period (days) Amount Due
$100 $15 391.07% 14 $115
$300 45 391.07% 14 $345
$400 $60 182.5% 30 $460
$700 $70 81.11% 45 $770

Do You Qualify for a Payday Loan?

Before applying for payday loans in Washington, borrowers should meet several eligibility criteria. Here are the basic requirements:

  • Be 18 years old or more.
  • Be a US citizen or hold a permanent resident status (Green Card).
  • Have a steady income.
  • Have an active bank account.
  • Have a valid email address and phone number.

Get a Payday Loan Even with a Bad Credit Score

Consumers with a poor credit history are welcome to apply for online payday loans from 1F Cash Advance. The decision is based on your general financial situation and monthly income, so your low credit score doesn’t matter.

It’s still important to provide a proper proof of income, as this is the main factor the lender uses to make a decision. Attach your bank statements, pay stubs or other valid documents to confirm your repayment ability.

get online loans in Washington with any credit score

1F Cash Advance Loan Products in WA

Below are loans offered to Washington residents by 1F Cash Advance. They can provide you with fast cash in the necessary amount to cover any emergency.

Payday Loans

Payday loans allow you to get up to $700 or 30% of your income. The repayment periods are short, typically within 14 to 45 days from the approval date. You’ll pay up to 15% interest if you borrow less than $500 and up to 10% if you borrow more.

There are no hard credit checks, so your payday loan won’t affect your credit score. As long as you are over 18 years old and have stable monthly income, you qualify.

Installment Loans

This option is very similar to payday loans but comes with a longer repayment period. With installment loans, you can split your payments into fixed monthly charges for up to 24 months.

The APR is also lower and ranges from 16% to 200% depending on the borrower’s creditworthiness. Installment loans via 1F Cash Advance come with no hard credit pulls, so you can qualify even with a bad credit score if you have stable income.

Where Can I Get a No Credit Check Loan in Washington?

1F Cash Advance wants to help consumers all around Washington State to discover the best financial solutions. We provide no credit check payday loans in the following cities:

Auburn Federal Way Bellevue
Kennewick Renton Vancouver
Kirkland Spokane Valley Tacoma
Bellingham Everett Spokane
Yakima Kent Seattle

1F Cash Advance in Woodinville, WA

Payday loans store in Woodinville, WA

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

Monday – Friday: 8:00 am to 10:00 pm
Saturday: 9:00 am to 6:00 pm
Sunday: Closed

Get Started

Find a Payday Loan Store Near You

Get a customized approach at any of our in-store locations. Not in Washington? No worries. Check our stores in Alaska, Florida, Illinois, Maine, Missouri, New Jersey, Ohio, Tennessee, Texas, Wisconsin, Wyoming. Whether you visit the store or apply online, we will provide you with top-notch service, no matter where you are located.

Why Choose 1F Cash Advance

1F Cash Advance is here to not only help you get emergency funds fast but also increase your chances of approval. Here are more reasons to consider us your first choice:

  • Trusted Lenders. We only work with reliable lenders that are licensed to operate in WA. All of our partners follow the local regulations and provide loans at reasonable rates.
  • Save Time. You don’t need to submit 10 applications to be reviewed by 10 lenders, you only submit one. The form is extremely straightforward which saves you time and energy in emergency situations.
  • Better Chances. Since you are reviewed by multiple direct lenders, your approval rate is significantly higher than if you applied on a different website.
  • Many Options. We offer multiple options that cater to different needs. From small payday loans to long-term installment loans, you can find a financial solution that fits your situation.
  • Customer Care. Our customer support representatives care about your satisfaction from the moment you contact us to the day the agreement is finalized.

Frequently Asked Questions

Is 1F Cash Advance licensed?

1F Cash Advance Financial Help, LLC is a licensed connecting company that works under federal laws set by the US government. We are licensed by the Department of Financial Protection and Innovation. Borrowers can request licensing information anytime.

Will I get a guaranteed approval for my payday loan?

No direct lender can guarantee you approval, but you can increase your chances by meeting all the needed requirements set by lending companies.

How do lenders decide the due date?

Payday loans are typically due on your next payday. The repayment period cannot be more than 45 days.

How fast can I get the money?

You can get your money within 1 business day. If you want to speed it up, be sure to apply before 10:30 AM as it will increase your chances of same-day funding.

How should I repay the loan?

Your bank account will be charged automatically on the due date, so ensure you have enough money on your balance.

What happens if I can’t repay the loan?

You are likely to be charged late fees. If you still don’t return the money, the lender may report you to a credit bureau, which will harm your credit score.

Can my payment date be changed?

Washington allows you to get a new repayment plan which can push your due date to a later time. Ensure you contact the lender on or before the payment date to request this extension.

What is the minimum credit score for guaranteed approval?

Payday loans don’t have a minimum credit score requirement. To increase your chances, make sure all the information is correct on your application. Additionally, proper proof of stable income can help you get approved.

What is the best alternative to getting a payday loan?

Installment loans are the next best thing if you need a loan for a longer period of time. They have lower APRs and allow you to repay the loan within up to 24 months.

Why do I get denied for a payday loan?

Your request can be rejected if the lender finds some information incomplete or incorrect, or if you don’t have stable income. A history of frequent late payments may also be a reason for denial. Additionally, if you’ve already taken out 8 loans within the past 12 months, you cannot request a new one this year.

Can I get 1-hour payday loans in Washington?

Online payday loans are processed extremely fast thanks to advanced automation technologies. You’ll find out if you’re approved in less than an hour, however the funds will be transferred to you later - on the same day if you apply before 10:30 AM and next day if you don’t.