PAYDAY LOAN Application Form

How much would you like to borrow?

Personal Information
Personal Information
Additional Information
Additional Information
Your Transfer Details
Your Transfer Details
Need help? Use our ABA lookup.

Your data is secured using industry standard for the site information security. Your ABA/Routing number can be found on most bank statements as well as on the bottom of your checks.

By submitting your information you claim you have read and understood and agree to Privacy Policy , Terms of Use , Responsible Lending and Marketing Practices

Payday Loans in Seattle, Washington

Payday Loans in Seattle, Washington


Apply online for fast Payday Loans from the best Seattle, WA direct lenders to get quick and easy money.

Get a short-term cash advance with no credit check. You can qualify for Seattle cash loan even with no bank or checking account. Bad credit is not a problem to get approved for a fast Payday advance in Seattle either. Just fill out a free application form online and get an instant decision from multiple lending companies within a few minutes.

Whenever you need emergency financing, you can get Online Payday Loans in Washington from a legit lending company. Check your rates and terms and apply for the necessary amount of cash advance online now.


Apply for online payday loans and get instant decision from the best Seattle lending organization


Rates last updated March 24th, 2023


Smaller tax return than you expected? Apply online for quick cash. Apply

Are Payday Loans Legal in Seattle, WA?

Loan Rates and Fees, Laws and Regulations in Washington.

Washington residents can borrow up to $700 Payday cash advance, but not exceeding 30% of their gross monthly income for a maximum of 45 days. Payday lending is legal in Washington in accordance with Wash. Rev. Code Ann. 31.45.010 et seq.1 It states that any APR is 390%. Finance rates and fees vary depending on the amount of a loan: for $500 cash advance it’s 15%, for higher sums – 10%. Thus you may be charged $15 for 14-day $100 loan.

Maximum 8 loans a year are allowed. They must be paid off on time without rollovers, renewals, or extensions. However, you can apply for a repayment plan for 90-180 days without any additional fees.

Law status legal
MIN Loan Amount None
MAX Loan Amount $700
MIN. Loan Term None
MAX. Loan Term 45 days
MAX APR 390%
Additional fees 15%
NSF fee Not stated
Collateral or guarantor None, unsecured
Number of simultaneous loans 8 loans a year
Cooling off period None
Rollover Not allowed
Extension, repayment plan Repayment plan for 90-180 days
Default penalties Criminal actions are prohibited
Credit score requirements Available for Bad Credit
Apply online

How Do Seattle, Washington Payday Loans Work?

A Payday cash advance, also known as a payday loan, loan until payday, small dollar loan, short-term loan, or fast cash advance loan, is an unsecured loan with a limited term and high interest rate that typically ranges from $500 to $1,000. By deducting the debt from the borrower's bank account at the cost of wages, the loan is automatically repaid.

Payday loans are typically used to cover costs like rent that must be paid before other installments are made. Let's say the borrower chooses to pay back the debt with their subsequent paycheck. If so, they will have some extra money to spend as they see fit (the calculations here are based on the number of days between payments).

You would have two months to use the money, for instance, if your income was only paid every three days and your loan had a two-month repayment term.


Requirements for Payday Loans in Seattle, Washington

It may be advantageous to apply for a payday loan if you suddenly find yourself in need of money. If at all possible, it might be wise to make other plans before applying for a payday loan. If you find yourself in this predicament, you should speak with the direct lender to learn about your choices for getting assistance.

Why not attempt a payday loan option if you're one of those people in need of some fast money? These loans can be authorized in as little as 24 hours and are intended to help people quickly get back on their feet.

You must adhere to the following conditions:

  • Be at least 18 years old.
  • Possess an ID and a credit account. Your name needs to be on the ID.
  • Reside in Washington state for at least 90 days.
  • Possess a current, open checking account.
  • Your employment must have lasted for at least two months.


Restrictions on Payday Loans in Seattle, Washington

Washington State has legalized payday loans. Outline of the law:

  • For a $300 payday loan, the average yearly percentage rate (APR) is about 391%;
  • No bare minimum for loans;
  • $700 maximum loan amount, or 30% of monthly gross revenue;
  • No required loan term;
  • 45-day maximum loan period;
  • 15% for loans under $500 and 10% for loans over $500 should be the maximum finance costs;
  • No rollovers are allowed.


Justifications for Taking Out a Short-Term Borrowing in Washington

In recent years, Washington State's expense of living has skyrocketed, particularly in Seattle. Thus, more and more individuals are having a difficult time making ends meet. Additionally, it is impossible to save money for a rainy day when you are living salary to paycheck. Because of this, even a tiny unexpected bill can seem like an impassable challenge.

There are no restrictions on how you can use the money if you obtain a short-term credit in Washington. But other types of loans are better suited to meet long-term requirements like housing and education. Following are a few of the most typical justifications for getting a short-term loan:

  • Hospital costs
  • Auto or home maintenance
  • Urgent journey

A short-term loan will therefore provide you with the money you require, whether you need to board a plane to care for a loved one or need to get your vehicle out of the shop. Seattle loans give you time to repay the entire loan with your next salary.


Payday Loans Online vs. Payday Loans Near Me in Seattle, Washington

Everyone has the freedom to select their own credit application strategy. We advise completing the registration form and submitting it online to save time (directly on our website). We advise you to become familiar with the list of nearby direct creditors if you want to personally talk with the manager of a credit agency.


The Bottom Line

It's crucial to keep in mind that some payday loan providers in Seattle, Washington have a limit on the amount of money a borrower can receive approval for. You may need a payday advance in Seattle if your finances are too tight for unforeseen costs.

Payday loans, it's essential to keep in mind, are best used temporarily and are not meant to be long-term fixes for money issues. It might be time to think about getting professional assistance if you need money frequently over an extended length of time.

PayDay Loan Calculator

Select the amount for the loan you want in order to get the principal, which is the basis that we use to calculate the interest and the total cost of the cash advance.
The number of days within that you will be ready to repay the loan. It’s used to count the total cost of cash advance by multiplying the days by the amount of interest.
To calculate the total cost of your loan, we take the minimal average APR legal in all States, which is 36%. This figure is only a representative, providing you with general information on how much the loan may cost. To find out a more accurate total, fill in the Annual Percentage Rate required by the lender you want to apply to.
It’s the money charged by the lender for doing all the necessary paper work, bank transactions, etc., connected with lending you the money.
$ Your loan
+ $ Your fee
= $ Total Cost*

* Total Cost - The sum of money you are to pay off within the term you’ve chosen if you borrow the stated above amount for the average (or required by your lender) APR.

All the calculations are provided as guides only. They don’t guarantee 100% the same cost you are going to be charged but they do help you understand the overpay much better. Unless you change the APR, the calculations will be based on the average or lowest rate represented by most lenders for each loan type. You’ll find the accurate interest rate as well as the real cost of your cash advance after you get approved before you sign the agreement. It will depend on many factors including the amount, the term of the loan, your credit score and the lender’s conditions. Interest rates are not fixed figures and are subject to change at any time. As soon as you fill out an application and get approved all the details concerning the rates and terms will be sent to you.

Payday Loans Available in Seattle, WA by the following ZIP codes:

98101 98102 98103 98104 98105 98106 98107 98108 98109 98111 98112 98113 98114 98115 98116 98117 98118 98119 98121 98122 98124 98125 98126 98127 98129 98133
98134 98136 98139 98141 98144 98145 98146 98151 98154 98161 98164 98165 98170 98171 98174 98175 98177 98178 98181 98184 98185 98191 98194 98195 98199

In 2023 there are 704,352 people living in Seattle, WA. According to the statistics, 42261 of them look for "Payday Loans Near Me in Seattle, WA" or apply for Seattle Payday Loans online in need of emergency short-term financing. No wonder, these people request instant cash as their median household income is 70594. That's why COMPACOM was designed - to help customers complete a quick and easy application form 100% online and get guaranteed approval from the best Seattle, Washington direct lenders.

Payday Loans Store Locations in Seattle, WA

Cash Advance and other Money Offers in Seattle, WA:

Up to $5,000 instant cash with guaranteed approval from direct lender with a few months of scheduled installments.
$5,000 - $35,000 quick loans for any personal needs. Available for any credit score and don't require any collateral.
Fast Title Loans secured by your vehicle title as collateral. No inspection. No credit checks. Instant cash for bad credit same day.



How to qualify for online Payday Loans in Seattle, WA?


How Seattle Payday Loans online work?


Can I get a Payday Loan with bad credit in Seattle, WA?


Do Seattle lenders offer no credit check Payday Loans?


How fast can I get a Payday Loan in Seattle, WA?


Do lenders in Seattle, WA require a certificate from the employer?


How long does an online payday loan take?


Do you have to specify the purpose of a payday loan?


Can I take a payday loan at Compacom if I have a liability with another loan company?


How to sign a payday loan agreement?


Ask an Expert

Any comments or reviews made on this website are only individual opinions of the readers and followers of the website. The website and its authors team are not responsible, nor will be held liable, for anything anyone says or writes in the comments. Further, the author is not liable for its’ readers’ statements nor the laws which they may break in the USA or their state through their comments’ content, implication, and intent.

Start online application

Advertiser Disclosure

COMPACOM.COM is an independent advertising service that provides information and reviews on various companies to help customers compare them and get the best deal. If the company's page is not marked by "Affiliate Sign" and "Affiliate Disclosure", it means we are not affiliated with this business. We just provide the relevant data to help the company promote its services and let the customers find and get the necessary assistance faster.

COMPACOM.COM is not responsible for any products and services advertised and compared. As you click on any advertising block, you are redirected to the third party's website and it's your responsibility to check all the details of the deal. Neither is COMPACOM.COM liable for other companies' logos, names are trademarks™ or registered® trademarks used on our website. Their use does not signify or suggest endorsement, affiliation, or sponsorship. The main aim of COMPACOM.COM is to provide verified information that is taken from the companies' websites and other public sources and supported by the links to them.

COMPACOM.COM can get some compensation for featured placement of certain sponsored products and services, or your clicking on links posted on this website. But it doesn't impact the way the companies are evaluated. Their rating is based solely on real people's reviews which go through a double verification via phone number and e-mail.

We strive to keep all the information on this site up-to-date and accurate but you should check any rates and terms as well as other product or service information on the provider's website.