Payday Loans in Bucoda, Washington

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No payday loan companies in Bucoda, WA. Consider companies in other cities:

Company nameAddressZip codePhone number
Capital Advance Inc 2416 US-101 B, Port Angeles, WA 98362 +1 (360) 565 - 1234
Bank of America with Drive-thru ATM 19255 Jensen Way NE, Poulsbo, WA 98370 +1 (360) 697 - 3733
KeyBank 291 2nd St, Morton, WA 98356 +1 (360) 496 - 5121
Cash America Pawn 10421 16th Ave SW, Seattle, WA 98146 +1 (206) 214 - 0824
Intrust Funding 14508 NE 20th St 200, Bellevue, WA 98007 +1 (425) 800 - 0824
Qualstar Credit Union - Seattle/SODO Branch 1731 4th Ave S, Seattle, WA 98134 +1 (800) 848 - 0018
Franson Thomas 8121 W Quinault Ave A101, Kennewick, WA 99336 +1 (509) 737 - 6020
Banner Bank 22 E Second St, Naches, WA 98937 +1 (509) 653 - 2217
Banner Bank 126 E Main St, Dayton, WA 99328 +1 (509) 382 - 4714
Moneytree 9815 State St Suite A, Marysville, WA 98270 +1 (360) 658 - 6669

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Bucoda, WA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Spanaway, WA, Payday Loans in Spokane, WA, Payday Loans in Tacoma, WA, Payday Loans in University Place, WA, Payday Loan for Vancouver, WA, Payday Loan Without a Credit Check in Walla Walla, WA, Payday Loan for Wenatchee, WA and Payday Loans in Yakima, WA. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Bucoda, WA.

Payday Loans Available in Bucoda, WA By The Following ZIP Codes:

98530

Are Payday Loans Legal In Bucoda, Washington?

Loan Rates and Fees, Laws and Regulations in Washington.

Washington Loan Regulations

Legal StatusLegal (Lender must have a small loan endorsement to their check casher license in order to make payday loans)
Interest Rate (APR, %)391
Maximum Loan Amount$700 (*or 30% of gross monthly income)
Minimum Loan TermNot Specified
Maximum Loan Term45 days
Number of Rollovers Allowed0
Finance Charges<$500 = 15%; >$500 = 10%

Bucoda, WA payday loan calculator

When you’re strapped for cash, payday loans can seem like an attractive option. These short-term loans are designed to help you cover unexpected expenses or bridge the gap until your next paycheck. If you’re considering a payday loan in Bucoda, Washington, it’s important to understand the regulations surrounding these loans and how they work.

What is a payday loan and how do they work in Bucoda, Washington?

Payday loans are small, unsecured loans that are designed to be repaid on or around your next payday. They typically range from $50-$1,000, depending on state regulations and the lender’s policies. In Bucoda, Washington, payday loans are legal, but lenders must be licensed and have a small loan endorsement from the state.

To apply for a payday loan in Bucoda, you’ll typically need to provide proof of income, such as a pay stub. You’ll also need to have an active checking account and a valid government-issued ID. Some lenders may also require a post-dated check or electronic access to your bank account.

Once you’re approved for a payday loan, you’ll receive the funds electronically or in-person, depending on the lender’s policies. You’ll then have a short amount of time to repay the loan, usually within two to four weeks.

What are the rules and regulations surrounding payday loans in Bucoda, Washington?

As mentioned, payday loans are legal in Bucoda, Washington, but they are subject to regulations to protect consumers. According to state law, payday loans in Washington cannot exceed 15% of the borrower’s gross monthly income, or $700, whichever is less.

Additionally, lenders in Washington are required to provide certain disclosures to borrowers before issuing a payday loan. These disclosures may include the loan’s terms and conditions, the total amount that will be repaid, and the annual percentage rate (APR) of the loan. This is to ensure borrowers fully understand the costs associated with taking out a payday loan.

What are the pros and cons of payday loans in Bucoda, Washington?

As with any financial product, there are both advantages and disadvantages to payday loans. Some potential pros include:

  • Quick access to cash – payday loans can be approved and funded in as little as one business day, making them a good option for emergency expenses.
  • No credit check necessary – payday lenders typically don’t require a credit check, so borrowers with poor credit may still be eligible for a loan.
  • Easy application process – with simple online or in-person applications, payday loans can be easier to apply for than traditional loans.

However, there are also some potential downsides to payday loans, such as:

  • High interest rates and fees – payday loans are known for their high APRs and fees, which can make them an expensive form of borrowing.
  • Short repayment terms – borrowers usually have just two to four weeks to repay a payday loan, which can be difficult for some people who are already struggling with debt.
  • Risk of repeat borrowing – because of the high costs associated with payday loans, some borrowers may get caught in a cycle of debt, taking out new loans to repay old ones.

Interesting facts and statistics about payday loans in Bucoda, Washington

  • According to data from the Department of Financial Institutions, in 2020, there was a total of 62 payday loan operations in Washington State.
  • In 2019, borrowers in Washington took out a total of 713,800 payday loans, with an average loan size of $278.
  • The state of Washington has some of the strongest payday lending regulations in the US, including a cap on the total amount that can be borrowed and mandatory disclosures to borrowers.

Apply now for a payday loan in Bucoda, Washington

At TheGuaranteedLoans, we understand that unexpected expenses can happen to anyone. That’s why we offer a simple and secure online application process for payday loans in Bucoda, Washington.

As a connector service, we match borrowers with potential lenders who may be able to provide the funds they need. Our application process is fast and easy, and we never charge application fees. Plus, our online application is available 24/7, so you can apply whenever it’s convenient for you.

Remember, payday loans should be used as a last resort, and only for emergencies. If you’re considering a payday loan in Bucoda, Washington, be sure to read the loan agreement carefully and fully understand the costs and repayment terms. And if you’re struggling with debt, consider seeking the advice of a reputable financial counselor.

F.A.Q.

Can I be sued or have my wages garnished if I default on a payday loan in Bucoda, Washington?

It is possible for a lender to sue you or seek wage garnishment if you default on a payday loan in Bucoda, Washington. However, lenders are required to follow state and federal laws when it comes to collecting on a delinquent loan. If you believe that your lender has violated any of these laws, you should contact a consumer protection agency or legal aid organization for assistance.

Are there any restrictions on the interest rates that payday lenders can charge in Bucoda, Washington?

Yes, the maximum interest rate that payday lenders can charge in Bucoda, Washington is 15% per $100 borrowed.