Payday Loans in Garfield, Washington

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

Company nameAddressZip codePhone number
Bank of America with Drive-thru ATM 26929 102nd Ave NW, Stanwood, WA 98292 +1 (360) 629 - 2131
Texaco Pe Ell 504 N Main St, Pe Ell, WA 98572 +1 (360) 291 - 8863
Qualstar Credit Union - Federal Way Branch 1825 S 316th St, Federal Way, WA 98003 +1 (800) 848 - 0018
Omni Military Loans 14815 Union Ave SW, Lakewood, WA 98498 +1 (253) 588 - 6664
Bank of America with Drive-thru ATM 3230 172nd St NE, Arlington, WA 98223 +1 (360) 651 - 1155
Chase Bank 1561 E Main St, Freeland, WA 98249 +1 (360) 331 - 6141
West Coast Bank 24341 US-101, Hoodsport, WA 98548 +1 (360) 877 - 5272
Strait View Credit Union 220 S Lincoln St, Port Angeles, WA 98362 +1 (360) 452 - 3883
TwinStar Credit Union Onalaska 223 2nd St W, Onalaska, WA 98570 +1 (800) 258 - 3115
Evergreen Home Loans Enumclaw NMLS 1137783 2479 Griffin Ave Suite 202, Enumclaw, WA 98022 +1 (360) 625 - 8244

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Garfield, WA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Pasco, WA, Payday Loan Without a Credit Check in Pullman, WA, Payday Loans in Puyallup, WA, Payday Loans in Redmond, WA, Payday Loan Without a Credit Check in Renton, WA, Payday Loans in Richland, WA, Payday Loan Without a Credit Check in Sammamish, WA and Payday Loans in Seattle, 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 Garfield, WA.

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

99130

Are Payday Loans Legal In Garfield, 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%

Garfield, WA payday loan calculator

Advise to read before applying

Payday Loans in Garfield, Washington: What You Need to Know

If you’re facing a financial emergency and need cash quickly, you may be considering a payday loan. In Garfield, Washington, payday loans are legal as long as the lender holds a small loan license from the state. However, before you take out a payday loan, it’s important to understand how they work and the risks involved.

What are Payday Loans?

Payday loans are short-term loans that are typically due on your next payday. They’re intended to help you bridge the gap between paychecks if you need cash quickly for an unexpected expense. To apply for a payday loan, you typically need to provide proof of income, a checking account, and a post-dated check or authorization for the lender to withdraw the loan amount plus fees from your account on your next payday.

What are the Risks?

While payday loans can provide quick access to cash, they often come with high fees and interest rates, which can make them very expensive. In Washington state, the maximum amount you can borrow from a payday lender is $700 or 30% of your gross monthly income, whichever is less. The maximum finance charge for a $100 payday loan in the state is $15, which equates to an annual percentage rate (APR) of 390% for a 14-day loan. This means that if you take out a $100 payday loan, you’ll owe $115 in two weeks.

Another risk of payday loans is the cycle of debt they can create. If you’re not able to repay the loan on your next payday, you may be tempted to roll it over or take out another payday loan to cover the first one. This can lead to a cycle of debt where you’re continually borrowing to pay off previous loans and racking up fees and interest charges in the process.

Interesting Facts and Statistics About Payday Loans in Garfield, Washington

  • In 2020, the average payday loan in Washington state was $380.
  • The average APR for a payday loan in Washington is 391%.
  • In 2019, Washington state residents took out 1.9 million payday loans.
  • The total amount of payday loans borrowed in Washington in 2019 was $676 million.
  • The majority of payday loan borrowers in Washington state are low-income individuals.

Apply Now

If you’re considering a payday loan, it’s important to understand the risks and make an informed decision. At TheGuaranteedLoans, we’re here to help you connect with potential lenders who may be able to offer you a loan that meets your needs. Simply fill out our online application to get started. Remember, we’re a connector service, not a direct lender, and we never charge any fees for our services.

In conclusion, payday loans can provide a quick source of cash in an emergency, but they come with high fees and interest rates that can make them very expensive. If you’re considering a payday loan in Garfield, Washington, be sure to understand the risks and make an informed decision. Consider alternative options such as a personal loan from a bank or credit union, negotiating a payment plan with a creditor, or asking for assistance from family or friends. If you do decide to take out a payday loan, be sure to read the terms carefully and borrow only what you can afford to repay on your next payday.

F.A.Q.

What is a payday loan and how does it work in Garfield, Washington?

A payday loan is a short-term, high-interest loan that is intended to help borrowers cover unexpected expenses or emergencies until their next payday. in Garfield, Washington, payday lenders are required to be licensed and must follow state regulations, including limits on loan amounts and interest rates.

Are payday loans legal in Garfield, Washington?

Yes, payday loans are legal in Garfield, Washington as long as the lender is licensed by the state. The Washington State Department of Financial Institutions is responsible for regulating the payday lending industry in the state.

Look for Short-Term Loans in Other Cities:

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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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