Payday Loans in Humptulips, Washington

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

Company nameAddressZip codePhone number
Caliber Home Loans 18704 Bothell Way NE, Bothell, WA 98011 +1 (425) 949 - 0600
Washington Trust Bank Drive-up Only 903 S Main St Ave, Deer Park, WA 99006 +1 (509) 276 - 8866
South Sound Bank 2850 Harrison Ave NW, Olympia, WA 98502 +1 (360) 705 - 4200
Weinand Financial 8120 Freedom Ln NE 101, Lacey, WA 98516 +1 (360) 459 - 4847
Banner Bank 435 Martin St Suite 1000, Blaine, WA 98230 +1 (360) 332 - 7700
Banner Bank 598 N Park Dr, Selah, WA 98942 +1 (509) 697 - 7236
Wells Fargo Bank 473 N Market Blvd, Chehalis, WA 98532 +1 (360) 740 - 8565
Uncle Bucks 907 W 1st Ave, Toppenish, WA 98948 +1 (509) 865 - 6463
Purpose Financial Advisors LLC 421 W Riverside Ave Ste 1450, Spokane, WA 99201 +1 (509) 458 - 7709
Banner Bank 126 E Main St, Dayton, WA 99328 +1 (509) 382 - 4714

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Humptulips, WA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Lynnwood, WA, Payday Loans in Marysville, WA, Payday Loans in Mount Vernon, WA, Payday Loans in Olympia, WA, Bad Credit Loans in Pasco, WA, Payday Loans in Pullman, WA, Payday Loans in Puyallup, WA and Bad Credit Loans in Redmond, 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 Humptulips, WA.

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

98552

Are Payday Loans Legal In Humptulips, 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%

Humptulips, WA payday loan calculator

Advise to read before applying

Everything You Need to Know About Payday Loans in Humptulips, Washington

If you live in Humptulips, Washington and find yourself in need of short-term financial relief, payday loans might be just what you need. While payday loans can provide quick cash, it’s important to understand the legal requirements and restrictions surrounding payday loans in Washington state.

Payday Loan Laws in Humptulips, Washington

First and foremost, it’s important to understand that payday loans are legal in Washington state. However, lenders must have a small loan endorsement and comply with certain provisions in order to be able to offer these types of loans.

For example, payday lenders in Washington cannot loan more than $700 or more than 30% of the borrower’s gross monthly income, whichever is lower. Additionally, loan terms cannot exceed 45 days, and lenders are limited to a maximum of eight loans in any 12-month period to a single borrower.

If you’re considering taking out a payday loan in Humptulips, it’s also important to be aware of the fees and interest rates charged by lenders. Washington state law limits the amount of fees and interest that lenders can charge, as well as the total amount of fees that can be charged over the life of the loan. Lenders are also required to provide borrowers with a Truth in Lending Act (TILA) disclosure that clearly outlines the terms and costs of the loan.

Benefits and Risks of Payday Loans

Payday loans can be a useful tool for those who need cash quickly and don’t have access to other forms of credit. For example, if you have an unexpected expense, such as a car repair or medical bill, and don’t have the savings to cover it, a payday loan can help bridge the gap until your next paycheck.

However, payday loans do come with risks, particularly if you’re unable to repay the loan on time. If you default on a payday loan, the lender may charge additional fees and interest, and report your missed payments to credit bureaus. This can negatively impact your credit score and make it more difficult to access credit in the future.

Additionally, some payday lenders have been known to engage in predatory practices, such as charging excessive fees or targeting vulnerable borrowers. It’s important to research lenders carefully and read reviews before taking out a payday loan.

Applying for a Payday Loan

If you’re considering taking out a payday loan in Humptulips, Washington, the process is relatively simple. You can apply for a loan in person at a payday lender’s physical location or online through a lender’s website. Most lenders will require you to provide proof of income and identification, and may run a credit check to determine your eligibility for a loan.

However, if you’re looking for a more convenient option, you can apply for a payday loan online through a connector service like TheGuaranteedLoans. We work with a network of trusted lenders to facilitate connections between borrowers and potential lenders. If you apply for a loan through our website, you can typically receive an approval decision within minutes, and funds can be deposited into your account as soon as the next business day.

Interesting Facts about Payday Loans in Humptulips, Washington

  • Washington state has some of the strongest payday loan regulations in the country, designed to protect borrowers from the dangers of high-interest loans.
  • The average payday loan borrower in Washington takes out eight loans per year, totaling about $4000 in loans and $1500 in interest and fees.
  • The city of Humptulips has a population of just over 200 people and no banks or credit unions located within its limits.

Apply Now for a Payday Loan in Humptulips, Washington

If you’re in need of quick cash in Humptulips, Washington, TheGuaranteedLoans can help connect you with potential lenders. Remember, payday loans can be a useful financial tool, but it’s important to research lenders carefully and only borrow what you can afford to repay.

Apply for a payday loan today through TheGuaranteedLoans website and receive an approval decision within minutes. Remember, TheGuaranteedLoans is a connector service, not a direct lender, and we work with a network of trusted lenders to help you find the loan that’s right for you.

F.A.Q.

Can a payday lender in Humptulips, Washington garnish my wages if I don't repay my loan?

No, payday lenders are not allowed to garnish wages in Humptulips, Washington. However, they may take legal action to collect on the loan.

Are there any alternatives to payday loans in Humptulips, Washington?

Yes, there are several alternatives to payday loans in Humptulips, Washington, such as credit union loans, community development financial institution loans, and small business loans.

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.

Accessibility: This platform's services may not be available to residents of certain states due to local regulations. To determine whether you can access this service, please review your area's legal guidelines. Additionally, be advised that the terms and conditions of this website can be altered at any time without prior notice.

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