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
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.
Cash Loans in Washington
Need cash as soon as possible? 1FirstCashAdvance 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
- Cash Loans in Washington
- How Do Washington Payday Loans Work?
- Fees and Charges of Payday Loans in Washington
- Representative Example of a Washington Payday Loan
- What Are the Alternatives for Washington Payday Loans?
- Requirements of Getting a Fast Payday Loan in WA
- How To Apply for Online Payday Loans from Direct Lenders in Washington?
- Online Payday Loans for Bad Credit Score
- Payday Cash Advances with No Credit Check in WA
- Reasons to Choose 1FirstCashAdvance for your Payday Loan
- Payday Loans Near Me
- 1FirstCashAdvance Payday Loans Store Location in Washington
- Apply for Quick Payday Cash Loans with Instant Approval Decision
- Find a Payday Loan Store Near Me
- Frequently Asked Questions
How Do Washington Payday Loans Work?
In 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. 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.
1FirstCashAdvance 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.
Fees and Charges of Payday Loans in Washington
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.
Representative Example of a Washington Payday Loan
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|
What Are the Alternatives for Washington Payday Loans?
Our 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%.
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%.
Requirements of Getting a Fast Payday Loan in WA
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.
How To Apply for Online Payday Loans from Direct Lenders in Washington?
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.
Make 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
Consumers 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.
Payday Cash Advances with No Credit Check in WA
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.
Reasons to Choose 1FirstCashAdvance for your Payday Loan
As a connecting service, we aim to provide you with the most pleasant borrowing experience for our customers. Here is the list of your benefits if you apply now:
- Easy application process. The form is simple and available 24 hours and seven days a week. Just fill in with the valid information and submit it with no faxing.
- One request form – hundreds of lenders. A single application form is enough for you to connect with our loan partners. You’ll have the possibility to compare many loan offers and choose the suitable one.
- Reasonable interest rates. Through the list of many financial offers, you’ll undoubtedly find the one that best fits your needs.
- Transparent and safe borrowing process. There are no third parties between you and your lender. The process of getting a payday loan is straightforward and 100% secure with us.
- No additional fees charged. We don’t charge any extra fees for our services during the borrowing process. Be sure that your loan won’t cost you extra dollars while you benefit from our financial services.
Payday Loans Near Me
If you are looking for “payday loans near me” on Google, stop your searches because you are in the right place. 1FirstCashAdvance 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.
1FirstCashAdvance Payday Loans Store Location in Washington
Apply for Quick Payday Cash Loans with Instant Approval Decision
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
Get a customized approach at any of our in-store locations. Not in Washington? No worries. Visit our office in Florida, Illinois, Missouri, New Jersey, Ohio, Tennessee, Texas, Wisconsin. 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.
Frequently Asked Questions
1FirstCashAdvance 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.
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.
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.
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.
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.
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.
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.