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Payday Loans in Moses Lake, WA

Compare 0 licensed lenders • Fast approval • Same-day funding

Max Loan
$500
Active Lenders
0
Approval Time
15 min
Population
25,006
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About Payday Loans in Moses Lake

Moses Lake is a small city in Washington with 25,006 residents and a median income of $78,962. The local economy is influenced by Washington's technology and aerospace sectors. With a cost of living 13% above national average, residents seeking emergency funding can access payday loans online, with WA DFI overseeing consumer lending practices. Washington regulates payday loans at 390% APR (15% fee), with WA DFI providing oversight for Moses Lake consumers.

Key Industries: technology, aerospace, agriculture, clean energy
Median Income: $78,962
Cost of Living: 13% above national average (index: 113)

Moses Lake Economic Profile

Population
25,006
Median Income
$78,962
Cost of Living
113
13% above national average
Region
Pacific Northwest
Cost of Living Index 113 / 200
Low Cost National Avg High Cost

Key Industries

technology aerospace agriculture clean energy

Payday Loan Key Facts – Moses Lake, WA

Max Loan Amount $700
APR / Fee Structure 390% APR (15% fee)
Max Loan Term 45 days
Cooling-Off Period None
State Regulator WA DFI
Active Lenders 0 licensed in WA
City Population 25,006
Avg. Household Income $78,962
Cost of Living 13% above national average (index: 113)

Source: State regulatory databases, U.S. Census Bureau, Bureau of Labor Statistics. Data verified January 2026.

Washington Payday Loan Regulations

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.

Compare Lenders in Moses Lake

0 licensed lenders serving Moses Lake, WA

*Rates and terms vary by lender and applicant. All lenders listed are licensed in WA.

Payday Loan Cost Comparison – Moses Lake

See how costs change with different loan amounts in Washington

💰 Small Loan 14 days
Loan Amount
$300
APR / TAE 390%
Finance Charge $44.88
Cost per $100 $14.96
Total Repayment $344.88
Apply for $300 →
💵 Medium Loan 14 days
Loan Amount
$500
APR / TAE 390%
Finance Charge $74.79
Cost per $100 $14.96
Total Repayment $574.79
Apply for $500 →
🏦 Large Loan 30 days
Loan Amount
$700
APR / TAE 390%
Finance Charge $224.38
Cost per $100 $32.05
Total Repayment $924.38
Apply for $700 →
Representative examples for Moses Lake, WA. Actual rates vary by lender, credit profile, and loan terms. Washington regulatory rate: 390% APR (15% fee). Always review your loan agreement before signing.

How to Get a Payday Loan in Moses Lake

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Frequently Asked Questions – Moses Lake

How do I get a payday loan in Moses Lake, WA?
To get a payday loan in Moses Lake: (1) Be 18+ with valid government ID, (2) Have an active checking account, (3) Show proof of income (pay stubs or bank statements), (4) Provide your Social Security number. Most Moses Lake lenders approve applications within 15 minutes and deposit funds the same or next business day. Washington loans are regulated by WA DFI.
What is the maximum payday loan amount in Moses Lake?
In Washington, including Moses Lake, the maximum payday loan is $700. The regulated rate is 390% APR (15% fee). Verify current limits with WA DFI.
How long does it take to get money in Moses Lake?
Most lenders serving Moses Lake provide same-day or next-business-day funding. If approved before 10 AM on a weekday, you may receive funds within hours via direct deposit to your checking account. Weekend applications are typically processed on Monday. ACH transfers may take 1–2 business days, while some lenders offer instant funding for an additional fee.
Can I get a payday loan with bad credit in Moses Lake?
Yes. Many lenders serving Moses Lake, WA approve borrowers with poor or no credit history. These lenders focus on your current income and ability to repay rather than your credit score. However, expect higher APR and lower initial loan amounts. Compare multiple offers to find the lowest total cost.
What documents do I need for a Moses Lake payday loan?
You'll typically need: (1) Valid government-issued photo ID (driver's license or state ID), (2) Proof of income (recent pay stubs, bank statements, or tax return), (3) Active checking account information (routing and account numbers), (4) Social Security number for identity verification. Some Washington lenders may also request proof of Moses Lake residency (utility bill or lease).
What is the APR for payday loans in Moses Lake?
390% APR (15% fee). This rate is set by WA DFI and applies to all licensed lenders in Moses Lake. Always review the full fee schedule in your loan agreement.
What happens if I can't repay my payday loan in Moses Lake?
If you cannot repay on time in Moses Lake, WA: (1) Contact your lender immediately — many offer payment plans or extensions, (2) Washington may allow rollovers, but additional fees apply — avoid this cycle, (3) Late fees and collection actions may follow, (4) Unpaid loans may be reported to credit bureaus, (5) Contact WA DFI if you believe a lender is violating Washington law. Never take a new payday loan to pay off an existing one.

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How We Research Payday Loans in Moses Lake

Our editorial team verifies all lender information, state regulations, and fee structures against official sources. This page for Moses Lake, WA was last reviewed and updated in January 2026.

Sources & References

  • • WA DFI — Washington lending regulations
  • • CFPB — Federal consumer protection guidelines
  • • U.S. Census Bureau — Moses Lake population & economic data
  • • Bureau of Labor Statistics — Income & cost of living estimates

Our Standards

  • • All lenders are verified as licensed in WA
  • • APR and fee data cross-checked with state records
  • • Content reviewed by financial services professionals
  • • Read our full editorial policy

Important Information

This information is current as of January 2026 and is for informational purposes only. Payday loan regulations in Moses Lake, Washington may change. Always verify current regulations with your state's consumer financial protection agency before applying.

We may earn commission from lenders when you submit a loan request. This does not affect which lenders you're matched with. Credizen is a comparison platform – we do not directly provide loans.

For consumer protection resources, visit the CFPB .

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Emergency Financial Help

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

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