Payday Loans in Deer Harbor, Washington

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

Company nameAddressZip codePhone number
Olympia Federal Savings - Tumwater In-Branch by Appt. Only 303 Cleveland Ave SE, Tumwater, WA 98501 +1 (360) 754 - 9520
Walmart Vision & Glasses 1110 W Washington St, Sequim, WA 98382 +1 (360) 683 - 1590
Rairdon's Chrysler Dodge Jeep Ram of Marysville 16610 Smokey Point Blvd, Arlington, WA 98223 +1 (360) 653 - 5664
Our Community Credit Union 9710 SW Bank Rd, Vashon, WA 98070 +1 (800) 426 - 5657
Bank of the Pacific 1214 Aalis Dr, Taholah, WA 98587 +1 (360) 276 - 4411
Banner Bank 147 S Broadway St, Tekoa, WA 99033 +1 (509) 284 - 5000
Alaska USA Federal Credit Union 2900 Woburn St Ste 101, Bellingham, WA 98226 +1 (800) 525 - 9094
1st Security Bank 15224 Main St 105, Mill Creek, WA 98012 +1 (425) 415 - 6139
U.S. Bank Branch 218 Front St, Lynden, WA 98264 +1 (360) 354 - 5083
Columbia Credit Union 11711 NE 99th St, Vancouver, WA 98682 +1 (360) 891 - 4000

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Deer Harbor, WA, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in Vancouver, WA, Payday Loan Companies in Walla Walla, WA, Payday Loans in Wenatchee, WA, Guaranteed Loans in Yakima, WA, Emergency Loan in Auburn, WA, Payday Loans in Bellevue, WA, Guaranteed Loans in Bellingham, WA and Payday Loan Companies in Bothell, 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 Deer Harbor, WA.

Beautiful sights of Deer Harbor, WA

Are Payday Loans Legal In Deer Harbor, 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%

Deer Harbor, WA payday loan calculator

The Ins and Outs of Payday Loans in Deer Harbor, Washington

Life can be unpredictable, and sometimes, despite our best efforts, we find ourselves facing financial challenges. Unforeseen expenses can be overwhelming, leaving us struggling to make ends meet. For those who find themselves in this situation, it may be tempting to turn to a payday loan for help.

Payday loans are a type of short-term, high-interest loan that is designed to help individuals make it through financial emergencies. In the state of Washington, payday loans are legal, but lenders must have a small loan endorsement.

How Payday Loans Work in Deer Harbor, Washington

For those unfamiliar with payday loans, they work by allowing you to borrow a small amount of money, usually ranging from $100 to $1,500, for a short period of time, typically two to four weeks. The borrower usually writes a post-dated check or provides the lender with authorization to debit their bank account for the amount they are borrowing, plus fees and interest. The lender then holds onto the check or authorization until the loan is due, at which point they cash it or electronically withdraw the funds from the borrower’s account.

The interest rates on payday loans can vary greatly, but in general, they are much higher than traditional loans. According to the Consumer Financial Protection Bureau, the average interest rate on a payday loan is 400%.

Benefits of Payday Loans in Deer Harbor, Washington

  • Speed: Payday loans can provide quick access to funds, often within one business day.
  • Flexibility: Unlike traditional loans, payday loans can be used for any purpose, from emergency car repairs to unexpected medical bills.
  • No collateral required: Unlike a secured loan, payday loans do not require collateral, making them an option for those with poor credit ratings.

Drawbacks of Payday Loans in Deer Harbor, Washington

  • High interest rates: As previously mentioned, the interest rates on payday loans are significantly higher than those of traditional loans.
  • Short repayment period: Payday loans must be repaid within a short period of time, often as little as two weeks, which can be challenging for those on a tight budget.
  • Cycle of debt: Some borrowers may find themselves trapped in a cycle of debt, where they continually take out new payday loans to pay off previous ones.

How to Get a Payday Loan in Deer Harbor, Washington

If you find yourself in need of a payday loan in Deer Harbor, Washington, there are several steps you can take to make the process go smoothly:

  • Research lenders: Look for reputable lenders with a proven track record of fair lending practices.
  • Check eligibility requirements: Make sure you meet the lender’s eligibility requirements before applying.
  • Prepare documentation: Be prepared to provide proof of income, identification, and banking information to the lender.
  • Read the terms and conditions: Make sure you understand the terms and conditions of the loan, including the interest rate, fees, and repayment period.
  • Submit an application: If you meet the lender’s eligibility requirements and are comfortable with the loan terms, submit an application and wait for a decision.

Interesting Facts and Statistics About Payday Loans in Deer Harbor, Washington

  • According to the Washington State Department of Financial Institutions, the maximum amount a borrower can receive from a payday loan in Washington is either 30% of their gross monthly income or $700, whichever is lower.
  • In 2019, the average payday loan borrower in Washington had an annual income of $26,000.
  • The majority of payday loans in Washington are taken out by borrowers who earn less than $40,000 per year.

Apply Now

If you find yourself in need of a payday loan in Deer Harbor, Washington, TheGuaranteedLoans is here to help. As a connector service, we work to connect borrowers with potential lenders who can meet their needs. Simply fill out our online application to get started today. Remember, payday loans can be a helpful tool in times of financial need, but as with any financial decision, it’s important to weigh the pros and cons and ensure you are making the best decision for your unique situation.

F.A.Q.

Can I file a complaint against a payday lender in Deer Harbor, Washington if I feel I have been treated unfairly?

Yes, consumers can file a complaint against a payday lender in Deer Harbor, Washington with the Washington State Department of Financial Institutions. Complaints can be submitted online or by mail.

Is it possible to get a payday loan with bad credit in Deer Harbor, Washington?

Yes, it is possible to get a payday loan with bad credit in Deer Harbor, Washington. However, the interest rates and fees may be higher for individuals with poor credit.