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US Cash Advance is a direct payday lender serving Washington residents, including Seattle, Spokane, and Kennewick. Apply online in minutes for a payday loan up to $700, with a decision the same business day.
Washington payday loans at a glance: Payday loans are legal in Washington and regulated by the Washington State Department of Financial Institutions under Wash. Rev. Code Ann 31.45.010 et seq. You can borrow up to $700 for a term of up to 45 days, at an effective APR of about 390%. Rollovers are prohibited, and lenders must disclose the full APR and due date before you sign.
Rules current as of August 2026.
Governing law: Wash. Rev. Code Ann 31.45.010 et seq.
The maximum loan amount is $700 or 30% of the borrower's gross monthly income, whichever is lower, with a maximum term of 45 days. The maximum fee is 15% on the first $500 and 10% on amounts over $500. A license is required for lenders, as per RCW 31.45.073.
| Loan Amount | Term | APR (est.) | Fee / Interest | Total Due |
|---|---|---|---|---|
| $100 | 14 days | 391% | $15 | $115 |
| $500 | 14 days | 391% | $75 | $575 |
| $700 | 14 days | 354% | $95 | $795 |
In Washington, the maximum loan amount is $700 or 30% of the borrower’s gross monthly income, whichever is lower. The maximum fee is 15% on the first $500 and 10% on the amount greater than $500. The lender must show you the exact APR before signing. Rollovers are not permitted.
Washington residents should know that payday loans can have an APR of up to 390%. Loan terms are capped at 45 days, and the maximum loan amount is $700 or 30% of monthly income.
Consumers are protected by a prohibition on rollovers and a mandatory cooling-off period of one day between loans. Borrowers can opt for an installment plan at no cost before default. Complaints can be directed to the Washington State Department of Financial Institutions.
Complaint Agency: Washington Department of Financial Institutions (360-902-8700) (File a complaint)
Verify Lender License: https://law.justia.com/codes/washington/title-31/chapter-31-45/
Washington law requires lenders to offer an Extended Payment Plan (EPP) if you are unable to repay your payday loan on the original due date. An EPP lets you repay the loan over a longer period without additional finance charges.
Rollover policy for Washington: no. Washington imposes a 1-day cooling-off period between loans to prevent continuous debt cycles. Before rolling over or renewing a payday loan, contact your lender to understand any additional fees and your total repayment obligation.
Washington requires payday lenders to report loan transactions to Catalis. This database helps regulators enforce per-person loan limits and cooling-off periods, and prevents borrowers from taking out simultaneous loans from multiple lenders. When you apply for a payday loan in this state, the lender will query the database to verify your eligibility before funding.
| Federal Protection | What It Means | Who It Covers |
|---|---|---|
| CFPB Payday Rule | The CFPB issued a regulation adopting a two-strikes-and-you’re-out rule for covered lenders. Under that rule, after two tries to withdraw money from a borrower’s account have failed, covered lenders can’t try again unless the borrower specifically authorizes another attempt. | All states |
| Military Lending Act (MLA) | 36% MAPR cap. The Military Lending Act (MLA) limits the amount a creditor may charge, including interest, fees, and charges imposed for credit insurance, debt cancellation and suspension, and other credit-related ancillary products sold in connection with the transaction. The total charge, as expressed through an annualized rate referred to as the Military Annual Percentage Rate (MAPR), may not exceed 36 percent. | Active-duty service members |
| Electronic Fund Transfer Act (EFTA) | A lender cannot require you to repay by automatic bank (ACH) debit as a condition of getting the loan. You may choose another way to pay. | All states |
CFPB rule source: https://www.consumerfinance.gov/payday-rule/
Yes. Payday lending is legal in Washington, regulated under Wash. Rev. Code Ann 31.45.010 et seq. Licensed lenders must follow the state's limits on loan amounts, terms, and fees, and disclose the full APR and due date before you sign. Confirm a lender is state-licensed before you borrow.
A payday loan in Washington is a small, short-term loan you repay by your next payday. Under Wash. Rev. Code Ann 31.45.010 et seq, you can borrow up to $700 for up to 45 days, and the lender's fee works out to an effective APR of about 390%. The lender discloses your exact fee, total, and due date before you sign, and you repay the full amount plus the fee on the due date.
In Washington, the maximum payday loan APR is 390% under Wash. Rev. Code Ann 31.45.010 et seq. This is the annual percentage rate a licensed lender may charge; your actual cost depends on the loan amount and term. The lender must disclose the exact APR and fees in your agreement before you sign.
In Washington, the maximum payday loan amount is $700 under Wash. Rev. Code Ann 31.45.010 et seq. Some lenders approve less than the state maximum based on your income and their own limits. Borrow only what you can repay by the due date, since fees apply to the full amount.
In Washington, a payday loan term runs up to 45 days under Wash. Rev. Code Ann 31.45.010 et seq. The due date is usually tied to your next payday and is stated in your loan agreement. Repaying on time avoids rollover fees and extra finance charges.
No. In Washington, payday loan rollovers are not allowed under Wash. Rev. Code Ann 31.45.010 et seq. You cannot extend the loan by paying only the fee and pushing back the due date, a practice that fuels long-term debt. If you cannot repay on time, ask the lender about an extended payment plan.
Yes. Washington requires a 1-day cooling-off period between payday loans under Wash. Rev. Code Ann 31.45.010 et seq. After repaying a loan you must wait this many days before taking out another, which limits back-to-back borrowing. The waiting period applies across all licensed lenders in the state.
Yes. Washington requires licensed lenders to offer an extended payment plan (EPP) if you cannot repay on the due date under Wash. Rev. Code Ann 31.45.010 et seq. An EPP lets you repay over a longer period, with at least 90 days to repay. Request the EPP before the loan is due; lenders cannot add finance charges for it.
Yes. Washington requires payday lenders to check a statewide database (Catalis) before issuing a loan under Wash. Rev. Code Ann 31.45.010 et seq. The database enforces per-borrower limits and cooling-off periods and blocks simultaneous loans from multiple lenders. When you apply, the lender queries it to confirm your eligibility.
Explore the full US Cash Advance suite of short-term lending options: Payday Loans, Cash Advance, Bad Credit Loans, Same Day Loans, Debt Consolidation, or find a location near you in our Washington Locations Directory.