Online payday loans Washington
Online payday loans Washington

Online Payday Loans in Washington

  • No hard credit inquiries performed
  • Cover unplanned expenses
  • Bad credit report OK
  • Professional direct lenders
  • Reasonable APRs
  • No additional fees
  • Payday Loans Near Me

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Ready for Cash Loans in Washington?

Need cash as soon as possible? 1F Cash Advance helps you to connect with Washington direct lenders. They are ready to provide you with loan offers that will suit your needs. Washington cash loans have the best interest rates and flexible repayment terms compared to other states. Don’t hesitate to apply for cash loans in Washington and get the necessary amount to cover your unexpected expenses.

Table of Contents

Washington Payday Cash Advances – Terms and Interest Rates

If you are a Washington resident, you may get up to a $700 payday loan, but not exceeding 30% of your monthly income for a maximum of 45 days. It is legal in Washington according to Wash. Rev. Code Ann. 31.45.010 et seq.1. It sets a maximum APR of 390%. The fees vary depending on the amount of a cash advance: for a $500 loan, it’s 15%, for higher amounts – 10%.

Maximum 8 loans a year are accessible. You must pay them off on time without rollovers, renewals, or extensions. Though, you may get a repayment plan for 90-180 days without any additional fees.

How Do Cash Advance Loans Work in WA?

Washington payday loansIn Washington, online cash advances work the same as other loan products. Consumers apply online on our website by filling in the application form with their contact details and submitting it. We will send it to our lending partners that will review your request. You’ll receive an answer on your loan approval. By the way if you don’t live in Washington, feel free to apply for payday loans in Missouri, for example. Don’t worry; it takes minutes to get an instant approval decision via Email.

If a lender approved your loan request, you both would sign the agreement online after you discussed all the terms and conditions. After these formalities, the lending company will transfer your Washington payday loan on the next business day or even sooner. Also, once the next paycheck reaches your bank account, the loan provider will withdraw the loan amount from it. You don’t have to stay in line to pay it back. Everything is online and 100% safe for all customers.

1F Cash Advance works only with a network of trusted direct lenders that provide quality financial products for borrowers who need emergency cash. If you are one of them, be sure you’ll get reasonable interest rates and flexible repayment plans.

Costs & Fees for Payday Cash Advance Loans in WA

In Washington, you’ll be charged with a maximum fee: 15% on the first $500 and 10% above $500. There are no collection fees, only the origination fee of $7. Thus you may be charged $15 for 14-day $100 loan. These charges may vary by lender but don’t hesitate to shop around and get the best deal for your loan before starting the borrowing process.

Washington Payday Loan – Representative Example

An 18-day payday loan of $500.00 has an APR of 304.17% and a finance charge of $75.00. This sum doesn’t exceed the total amount of a payday loan which is somehow restricted by the law. See below the table with other APR examples of the 14-day terms.

Amount Borrowed Fees APR Amount Due
$100 $15 390% $115
$300 $45 390% $345
$400 $60 390% $460
$700 $105 390% $805

Choose Your Option for a Payday Loan in Washington

Direct lender installment loans WashingtonOur lending partners provide many other options for borrowers. One of the most popular alternatives is installment loans. This financial product is available for all consumers who need more than $1,000. They can borrow up to $5,000 with a minimum term of 3 months and a maximum term of 24 months. The main advantage is that you can pay it back with monthly payments, which are parts of a flexible repayment plan. The minimum APR of these loans is 6.63%. The same APR may be found in Texas payday loans.

People tend to use installment cash loans to pay for more significant expenses like house renovations, holidays, extensive car repairs, etc. Are you looking for more cash to cover your unexpected bills? Great! Use installment cash advances and make it possible till your next payday. You’ll save your budget with flexible payments and reasonable fees.

Plus, you can choose personal loans in Washington. Borrowers from this state can get up to $15,000 with a maximum term of 36 months. The minimum annual percentage rate of these loans is 4.99%.

Fast Payday Loan in WA – Factors to Consider in Qualifying

Before applying for payday loans in Washington, borrowers should meet several eligibility criteria. As they are basic, almost all consumers may qualify for payday cash advances. So, if you need extra cash and you live in Washington, check the following requirements:

  • Be 18 years old or more.
  • Be a US citizen.
  • Have a steady income.
  • Have an active bank account.
  • Have an active Email address and phone number.

Tips in Applying for Payday Loans Online in WA

The online loan application in Washington is the same as in other states. Here are the simple steps to follow when applying for online payday loans: Press on the “Apply now” button. Fill in the application with the following: personal information, contact and employment details, deposit information. Once you verified these details on rightness, submit the loan request. Within minutes, you’ll get an answer on your application.

Apply online for fast payday loans WashingtonMake sure you read our Legal Information before submitting your application. As the process is simple and straightforward, you won’t have to waste time on needless paperwork and faxing. It is available 24/7 and perfect for everyday Internet users.

Online Payday Loans for Bad Credit Score

Choose payday loans online bad creditConsumers with a poor credit history are welcome to apply for online payday loans in Washington. Their bad credit isn’t a reason to give up when looking for emergency cash. Our lending providers ignore the low FICO score of borrowers. They review the general information of your current financial condition.

Just prove your steady income, and that’s it! You are free to get funds even with a bad credit report. Make sure you increase your chances of loan approval by checking your valid information.

Can I Get a No Credit Check Payday Cash Loan in Washington?

Most lenders in Washington don’t run hard inquiries on borrowers’ credit history through those three main credit bureaus. These checks are called “soft credit checks” because of their simplicity. Direct lenders just assess the repayment risk by performing a light review on credit reports. So, don’t worry if your credit history is less-than-perfect. As there is a high approval rate, you’ll get an instant approval decision within minutes for your payday loans with no credit checks performed.

Can I Get a No Credit Check Payday Cash Loan in Washington?

1F Cash Advance wants to help consumers all around Washington State to discover the best financial solutions. That is why we provide online payday loans in the following cities:

Seattle Spokane Tacoma
Vancouver Bellevue Kent
Everett Renton Spokane Valley
Federal Way Yakima Kirkland
Bellingham Kennewick Auburn
Pasco Redmond Marysville
Sammamish Lakewood Richland
Shoreline Olympia Lacey
Burien Bothell Edmonds
Puyallup Bremerton Issaquah

How to Find a Reliable Lender in Washington

It is usually easy to find a legitimate and licensed direct lender. First of all, they will place this information in a visible place, both on their website and in the store. Second, if you contact their customer service, they must provide you with a valid Missouri license number.

Working with direct lenders is essential if you want to protect your personal information. When the transaction goes through third parties, your data is at risk. In addition, contacting a recognized direct lender simplifies communication and avoids misunderstandings.

For example, if you submit an application through our website, you will only come into contact with the direct lender that wants to offer you a loan. In addition, we guarantee the security of data passing through our platform. We do not share them with unaffiliated parties and do not interfere with your communications with the direct lender.

Payday Loans Near Me in WA

If you are looking for “payday loans near me” on Google, stop your searches because you are in the right place. 1F Cash Advance is here to find hundreds of lenders near you ready to provide you with payday loans with reasonable interest rates in your state. Feel free to browse our website to find out more information about Washington payday loans.

1F Cash Advance Payday Loans Store Location in Washington

Payday loans 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

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Apply for Quick Payday Cash Loans Now

Stop waiting for miracles and solve your problems with money today. Complete the application form with your contact details and submit it. We will do the rest! Get ready to spend your payday loan in WA as you wish on the next working day. If you have questions about Washington payday loans, drop us a line to request all the needed details about the lending process in this state. We are here to assist you in this matter and ensure you the most pleasant borrowing experience.

Find a Payday Loan Store Near Me in WA

Get a customized approach at any of our in-store locations. Not in Washington? No worries. Visit our store in Alaska, Florida, Illinois, Maine, Missouri, New Jersey, Ohio, Tennessee, Texas, Wisconsin, Wyoming. We will provide you with top service, regardless of your location. Feel free to ask for all the necessary information regarding payday loans both in Washington and in other states. Our customer care agent will help you get the best solution to solve your financial problems. Apply today in a store for Washington payday loans and pay for your unplanned expenses.

Cash Advance Services to Get from 1F Cash Advance

Payday Cash Advances in WA

Customers can apply for a cash advance online without any paperwork and get their money fast. A short-term payday cash advance of up to $1,000 will help you solve your financial issues until you get your next paycheck. Repaying the loan quickly, in up to a month, will allow you to get back to your usual financial habits. A quick cash advance is ideal for solving minor financial issues. Our branch manager will make sure you get all the answers you need as fast as possible.

Installment Loans in WA

Our website provides access to quick payday loans. The same product is accessible at our retail stores. No hard credit checks involved, no paperwork. Most clients find it easy to qualify for an unsecured installment loan. The application process for amounts up to $5,000 takes a couple of minutes only. This type of debt is easily closed in a few months due to convenient fixed monthly installments. Applying online via our website is safe. If you’d rather visit our in-store location, you can schedule an appointment to save time and avoid crowds.

Check Cashing in WA

Most of our in-store locations offer check cashing services. That is the fastest way to access your money without spending hours on end in a bank.

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.

Is 1F Cash Advance working with licensed direct lenders only?

We work only with a network of trustful and licensed direct lenders that operate according to the lending laws of Washington. Feel free to ask for all the needed information about our lending partners.

Will I get a guaranteed approval for my payday loan in WA?

In Washington, you may get a guaranteed approval decision on your cash advance. No direct lender can guarantee you approval, but you can increase your chances by meeting all the needed requirements set by lending companies.

If I am not from Washington, where else can I apply for your services?

We provide online loans in the following states: Oregon, Idaho, Montana, Nevada, California, Connecticut.

What cities of Washington are available to apply for loans?

All the cities of Washington are available for consumers to borrow the payday loans they need. But the most popular cities are Franklin, Grant, Whitman, Okanogan, Grays Harbor, Lewis, Stevens, Mason, Walla Walla, Kittitas, Chelan, Clallam, Island, San Juan. If you’re a resident of one of these cities, feel free to apply for online payday cash loans.

Can I get 1-hour payday loans in Washington?

When applying online for payday cash loans, you receive an answer within 1-hour, but it depends on your lender. It may take less time for them to give you a loan decision. However, you’ll access your money on the next business or even sooner. Thanks to cut-off times, you might get your same-day payday loan. If you apply before noon, the lender will transfer the money on the same day. But if you filled in the application form in the afternoon, prepare to access your loan only on the next working day.

Payday loans stores near me - How to find them?

Don’t search for in-stores and make it happen online. It is safe and accessible for all borrowers. You won’t have to stay in line to apply with a folder full of needless documents. Looking for payday loan stores open now? Apply online on our platform and access your funds as soon as possible.

Are there the best payday loans in WA?

The best payday loans in Washington are those that have the most reasonable interest rates and a flexible repayment schedule. Also, the average percentage rate shouldn’t exceed 390%. To get the best loan in Washington, shop around and get the loan offer that suits your expenses.

Latoria Williams

Written by: Latoria Williams

Updated: Nov 26, 2023