Payday Loans in Mount Vernon, Washington

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

Company nameAddressZip codePhone number
Horizon Credit Union 900 S Main St, Deer Park, WA 99006 +1 (800) 852 - 5316
Evergreen Home Loans Enumclaw NMLS 1137783 2479 Griffin Ave Suite 202, Enumclaw, WA 98022 +1 (360) 625 - 8244
HomeStreet Bank 427 E Main St, Dayton, WA 99328 +1 (509) 382 - 2800
Kitsap Bank 19725 7th Ave NE, Poulsbo, WA 98370 +1 (360) 779 - 7799
Longshore Federal Credit Union 3107 John Stevens Way, Hoquiam, WA 98550 +1 (360) 532 - 9224
Farmers State Bank 159 Riverside Ave, Winthrop, WA 98862 +1 (509) 996 - 2243
Capital Investment Solutions 401 Olympia Ave NE UNIT 19, Renton, WA 98056 +1 (425) 793 - 4442
William A. Fulton, CPA, P.S. 323 2nd St, Snohomish, WA 98290 +1 (360) 568 - 0574
Cash America Pawn 1905 Broadway, Everett, WA 98201 +1 (425) 259 - 6600
Washington Federal Bank 111 W Main St, Walla Walla, WA 99362 +1 (509) 525 - 4400

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Mount Vernon, WA, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Olympia, WA, Online Loans in Pasco, WA, Payday Loans in Pullman, WA, Payday Loans in Puyallup, WA, Payday Loans in Redmond, WA, Emergency Loan in Renton, WA, 24-Hour Loan in Richland, WA and Payday Loans in Sammamish, 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 Mount Vernon, WA.

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

98273, 98274

Are Payday Loans Legal In Mount Vernon, 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%

Mount Vernon, WA payday loan calculator

Advise to read before applying

Payday Loans in Mount Vernon, Washington

Are you living in Mount Vernon, Washington, and looking for a quick source of emergency funds? Payday loans may be an attractive and viable option for you in this case. Payday loans are a type of short-term loan that can help you bridge financial gaps between paydays. They are legal in Washington and available to both Washington State residents and Mount Vernon citizens alike.

If you are considering taking out a payday loan in Mount Vernon, it is important that you understand the laws, benefits, and regulations that apply to this type of loan. With this knowledge, you can make an informed decision about whether or not it is right for you.

How do payday loans work?

Payday loans are generally small-dollar loans, with amounts ranging from $100 to $1,000. When you take out a payday loan, you agree to pay the lender the amount borrowed plus a fee for borrowing. The fee is usually expressed as a percentage of the loan amount and can range from 10% to 30%.

In order to qualify, you must be at least 18 years or older, have some form of income, and provide proof of residence in Mount Vernon. All lenders must be licensed by the State of Washington, and they must be able to demonstrate they are compliant with the Small Loan Act.

Advantages and Disadvantages of Payday Loans

Payday loans offer several benefits, including those who may not qualify for other types of credit. They also provide fast access to cash. Since they are unsecured loans, they do not require collateral. Payday loans are ideal for those who need to cover unexpected expenses, emergencies, or bills that cannot wait until the next paycheck.

However, payday loans have some drawbacks. The fees can be quite high—up to 10% to 30% of the loan amount. This can quickly add up and lead to a cycle of debt. Also, some lenders offer high-interest loans that can trap borrowers in a cycle of debt. As such, it is important to understand the terms and conditions of any loan you are considering and to compare lenders to ensure you are getting the best deal.

Where to Find Payday Loans in Mount Vernon

The best way to find a payday loan in Mount Vernon is to search online. There are many payday loan lenders that operate in Mount Vernon and offer a range of different loan products. When searching for a lender, make sure to read all of the terms and conditions carefully and compare lenders to find the best deal. You can also check the Better Business Bureau website to make sure the lender is reputable.

Things to Consider Before Taking Out a Payday Loan

Before taking out a payday loan, it is important to consider your overall financial situation. Payday loans should only be taken out for short-term and emergency needs and not for long-term financial needs. Make sure you can afford to pay back the loan and associated fees in full by the due date. Also, it is important to understand the terms and conditions of the loan and to make sure you are dealing with a reputable lender.

Apply Now

If you are looking for a payday loan in Mount Vernon, TheGuaranteedLoans can help. We are not a lender but we can connect you with a lender who may be able to provide the loan you need. To apply, simply fill out our online form and one of our lenders will contact you. Don’t wait any longer – apply now!

FAQ

Are payday loans legal in Washington?

Yes, payday loans are legal in Washington. In order for a lender to be in compliance with the Small Loan Act, they must be licensed by the Washington State Department of Financial Institutions.

What do I need to qualify for a payday loan?

In order to qualify for a payday loan in Mount Vernon, you must be 18 years or older, have some form of income, and provide proof of residence. The lender will also need to be licensed by the state of Washington.

How much can I borrow with a payday loan?

Payday loans generally range from $100 to $1,000. The exact amount will depend on your income and credit history.

What are the fees associated with a payday loan?

The fees associated with a payday loan can range from 10% to 30% of the loan amount. It is important to compare lenders to find the best deal.

More F.A.Q.

Is it possible to have multiple payday loans at the same time in Mount Vernon, Washington?

Yes, it is possible to have multiple payday loans at the same time in Mount Vernon, Washington, but it is not recommended due to the high interest rates and potential for financial hardship.

Are there any specific consumer protections for payday loan borrowers in Mount Vernon, Washington?

Yes, payday loan borrowers in Mount Vernon, Washington have specific consumer protections, such as the right to a written loan agreement, a three-day right to cancel the loan, and a cooling-off period between 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.

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