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Payday Loans Online in Seattle, WA
Seattle, WAPayday Loans Online

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.



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 statuslegal
MIN Loan AmountNone
MAX Loan Amount$700
MIN. Loan TermNone
MAX. Loan Term45 days
Additional fees15%
NSF feeNot stated
Collateral or guarantorNone, unsecured
Number of simultaneous loans8 loans a year
Cooling off periodNone
RolloverNot allowed
Extension, repayment planRepayment plan for 90-180 days
Default penaltiesCriminal actions are prohibited
Credit score requirementsAvailable for Bad Credit
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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.

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.

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 2024 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

Check Into Cash
Advance America
Cash America
Payday Loans
Money Mart



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


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