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Payday Loans in Washington

Compare licensed lenders • Check WA regulations • Apply online

Max Loan
$700
Cities Covered
10
Legal Status
Legal
Population
7,705,281

Washington Payday Loan Regulations

Max Loan Amount:$700
Max Term:45 days
Typical APR:390%
Cooling-Off:1 day(s)
Rollover Allowed:No

Payday loans in Washington are regulated by DFI. Maximum $700 with one-day cooling-off after 8 loans.

Important: This information is current as of February 2026. State regulations may change. Always verify with your lender and state regulator before signing a loan agreement.

About Payday Loans in Washington

Payday loans in Washington are regulated by DFI. Maximum $700 with one-day cooling-off after 8 loans.

Washington is located in the West region of the United States with a population of 7,705,281.

Key Regulations:

  • Maximum APR: 390%
  • Maximum loan amount: $700
  • Maximum term: 45 days
  • Rollovers not allowed
  • Regulated by Washington Department of Financial Institutions

Regulatory Authority: Washington Department of Financial Institutions
Official Website: https://dfi.wa.gov/

Cities in Washington

Seattle

Pop: 737,015

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Spokane

Pop: 228,989

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Tacoma

Pop: 219,346

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Vancouver

Pop: 190,915

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Kent

Pop: 136,588

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Yakima

Pop: 96,968

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Kennewick

Pop: 84,347

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Pasco

Pop: 77,100

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Moses Lake

Pop: 25,006

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Sunnyside

Pop: 16,838

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Frequently Asked Questions – Washington

Are payday loans legal in Washington?
Yes, payday loans are legal in Washington. The state is regulated by the Washington Department of Financial Institutions, which oversees all payday lenders. Payday loans in Washington are regulated by DFI. Maximum $700 with one-day cooling-off after 8 loans.
What is the maximum payday loan amount in WA?
The maximum payday loan amount in Washington is $700. Finance charges are capped at Varies by lender. Always verify with your lender before applying.
How long do I have to repay a payday loan in Washington?
In Washington, payday loans typically have a maximum term of 45 days. Some lenders offer installment loans with longer repayment periods. Check specific lender terms.
Can I have multiple payday loans at once in WA?
Payday loans in Washington are regulated by DFI. Maximum $700 with one-day cooling-off after 8 loans.
How do I find licensed payday lenders in Washington?
All payday lenders in Washington must be licensed by the Washington Department of Financial Institutions. You can verify a lender's license at https://dfi.wa.gov/. Only work with licensed lenders to protect yourself.
What documents do I need for a payday loan in WA?
Most Washington payday lenders require: (1) Valid ID (driver's license or state ID), (2) Proof of income (pay stubs or bank statements), (3) Active checking account, (4) Social Security number, (5) Proof of residence.
What is the typical APR for payday loans in Washington?
In Washington, the maximum APR is 390%. Actual APR varies by lender and loan amount. Always review the loan agreement for total cost before signing.
Are there alternatives to payday loans in WA?
Yes. Consider: (1) Credit union loans (often lower rates), (2) Payment plans with creditors, (3) Local assistance programs, (4) Employer cash advances, (5) Friends or family loans. Explore all options before committing to a payday loan.

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Important Legal Notice

This information is current as of January 2026 and is for informational purposes only. Payday loan regulations in Washington may change. Always verify current regulations with the Washington Department of Financial Institutions before applying. Credizen is a comparison platform – we do not directly provide loans.

We may earn commission from lenders when you submit a loan request. This does not affect which lenders you're matched with. Learn more in our methodology.

Emergency Financial Help

If you're experiencing financial difficulties, contact your local financial counseling service.

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