Payday Loans in Lacrosse, Washington

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

Company nameAddressZip codePhone number
Banner Bank 3945 W Court St, Pasco, WA 99301 +1 (509) 545 - 0258
Pistol Annie's Jewelry & Pawn 18701 Veterans Memorial Dr E, Bonney Lake, WA 98391 +1 (253) 314 - 7833
Washington Trust Bank Drive-up Only 523 Valley Mall Pkwy, East Wenatchee, WA 98802 +1 (509) 884 - 7111
Sequim CPA 224 W Washington St, Sequim, WA 98382 +1 (360) 565 - 5927
Gesa Credit Union Home Loan Center 618 W Riverside Ave Suite 101, Spokane, WA 99201 +1 (509) 464 - 4080
Washington Trust Bank Drive-up Only 903 S Main St Ave, Deer Park, WA 99006 +1 (509) 276 - 8866
CALCOE Federal Credit Union 1209 N 16th Ave, Yakima, WA 98902 +1 (509) 248 - 4308
Chase Bank 106 E Chelan St, Chelan, WA 98816 +1 (509) 682 - 2544
Sterling Savings Bank 305 N Ruby St, Ellensburg, WA 98926 +1 (509) 933 - 3030
iQ Credit Union 15705 NE Fourth Plain Blvd, Vancouver, WA 98682 +1 (360) 695 - 3441

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Lacrosse, WA, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Lynnwood, WA, Guaranteed Loans in Marysville, WA, Payday Loans in Mount Vernon, WA, Online Loans in Olympia, WA, Payday Loans in Pasco, WA, Payday Loan Companies in Pullman, WA, Payday Loans in Puyallup, WA and Payday Loan Companies 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 Lacrosse, WA.

Beautiful sights of Lacrosse, WA

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

99143

Are Payday Loans Legal In Lacrosse, 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%

Lacrosse, WA payday loan calculator

If you’re considering a payday loan in Lacrosse, Washington, there are a few things you need to know. Payday loans are a type of short-term lending that can help you cover unexpected expenses or financial emergencies. In the state of Washington, payday loans are legal, but lenders must have a small loan endorsement from the Department of Financial Institutions.

The Basics of Payday Loans

Payday loans are typically small-dollar loans that are due on your next payday. The amount you can borrow will depend on your income and other factors. When you apply for a payday loan, you’ll need to provide proof of income, a government-issued ID, and your banking information. If you’re approved, the lender will deposit the funds into your bank account.

Payday loans can be helpful in certain situations, but they come with high interest rates and fees. In some cases, the interest can be as high as 400% APR or more. This means that if you borrow $100, you may end up paying back $400 or more over time.

How Payday Loans Work in Washington

In Washington, payday lenders must be licensed and comply with state regulations. This includes a cap on the amount of money you can borrow and limits on the fees and interest rates that can be charged. The maximum amount you can borrow is $700 or 30% of your gross monthly income, whichever is less. Lenders can charge a fee of up to 15% of the total loan amount.

Payday loans in Washington must be repaid within 45 days. Lenders are also required to offer an installment plan if the borrower is unable to repay the loan on time. This installment plan must be offered at no additional cost to the borrower.

Why People Choose Payday Loans

There are a few reasons why someone might choose a payday loan in Lacrosse, Washington. For example:

  • You have an unexpected expense, like a medical bill or car repair, that you can’t cover with your regular income.
  • You don’t qualify for other types of lending, like credit cards, personal loans, or lines of credit.
  • You need cash quickly and don’t have time to wait for a traditional loan application process.

While payday loans can be helpful in certain situations, it’s important to understand the risks and costs associated with this type of lending.

Interesting Facts and Statistics about Payday Loans in Lacrosse, Washington

  • The average payday loan amount in Washington is $350.
  • According to the Washington State Department of Financial Institutions, the average annual interest rate for payday loans in Washington is 391%.
  • As of 2021, there were over 200 licensed payday lenders in Washington state.
  • In 2019, Washington State residents took out over 3.5 million payday loans, totaling over $1.5 billion.

These statistics highlight the prevalence of payday lending in Washington and the high costs associated with this type of financing.

Apply Now

If you’re considering a payday loan in Lacrosse, Washington, TheGuaranteedLoans can help. As a connector service, we work with a network of lenders who specialize in short-term lending. When you fill out our online application, we’ll connect you with potential lenders who can offer you the funds you need.

It’s important to remember that payday loans are not a long-term solution to financial problems. If you’re struggling with debt, it may be helpful to talk to a financial counselor or explore other options like debt consolidation or credit counseling.

However, if you need cash quickly and can repay the loan on time, a payday loan may be a viable option. Apply now and see if you qualify for a payday loan in Lacrosse, Washington.

F.A.Q.

What happens if I can't repay my payday loan in Lacrosse, Washington?

If you are unable to repay your payday loan in Lacrosse, Washington, the lender may take legal action to collect on the debt. This could include garnishing your wages or seizing your assets.

Are there any restrictions on the fees that payday lenders can charge in Lacrosse, Washington?

Yes, payday lenders in Lacrosse, Washington are not allowed to charge more than $15 for every $100 borrowed. Additionally, they are not allowed to charge fees for issuing or cashing a check.