Payday Loans in Pacific, Washington

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

Company nameAddressZip codePhone number
WaFd Bank 5265 WA-303, Bremerton, WA 98311 +1 (360) 479 - 4040
Super Pawn 17626 108th Ave SE, Renton, WA 98055 +1 (425) 235 - 7410
Pap Machinery Agriculture & Turf 1 Patrol St, Okanogan, WA 98840 +1 (509) 422 - 3030
U.S. Bank ATM - Enumclaw 955 Cole St, Enumclaw, WA 98022 +1 (360) 825 - 5502
Loan Zone & Pawn 851 E Washington St, Sequim, WA 98382 +1 (360) 683 - 9663
Murphy Jill 22516 226th Pl SE 110, Issaquah, WA 98027 +1 (425) 654 - 4717
Advance America 13503-C SE Mill Plain Blvd. #1, Vancouver, WA 98684 +1 (360) 254 - 8900
Solverity 9707 NE 54th St, Vancouver, WA 98662 +1 (360) 604 - 8514
Trident Funding 2100 Westlake Ave N Suite 101, Seattle, WA 98109 +1 (206) 721 - 7704
Kulp Carolyn 5775 Soundview Dr #101, Gig Harbor, WA 98335 +1 (253) 851 - 7500

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Pacific, WA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Issaquah, WA, Guaranteed Loans in Kennewick, WA, Same Day Loans in Kent, WA, Payday Loans in Kirkland, WA, Payday Loans in Lacey, WA, Payday Loans in Lake Stevens, WA, Payday Loans in Lakewood, WA and Payday Loans in Longview, 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 Pacific, WA.

Beautiful sights of Pacific, WA

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

98047

Are Payday Loans Legal In Pacific, 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%

Pacific, WA payday loan calculator

Understanding Payday Loans in Pacific, Washington

Payday loans have become a popular financial solution for many residents in Pacific, Washington. If you’re in a sudden financial crisis and need cash immediately, payday loans could be the solution to your problems. This article will help you understand the basics of payday loans in Pacific, Washington.

What are Payday Loans?

Payday loans are short-term loans designed to help you get by until your next paycheck. They are usually for small amounts ranging from $50 to $1,000 and have high-interest rates and fees. These loans are meant for emergencies, such as unexpected medical bills or car repairs, when you need quick cash.

Payday loans are legal in Pacific, Washington, but lenders must have a small loan license from the State of Washington Department of Financial Institutions. This license ensures that lenders obey strict guidelines when providing payday loans to borrowers.

How Do Payday Loans Work in Pacific, Washington?

To apply for a payday loan in Pacific, Washington, you must provide a valid ID, proof of income, and a checking account. The lender will ask you to sign a contract that outlines the terms of the loan. The agreement should specify the loan amount, the interest rate, fees, and repayment schedule.

Once you have provided the necessary information and signed the contract, the funds will be deposited into your checking account. You will be required to repay the loan on your next payday, usually within 14 days. In some cases, lenders may allow up to 45 days to repay the loan, but this will depend on the lender and the amount of the loan.

What Are the Fees for Payday Loans in Pacific, Washington?

The fees for payday loans in Pacific, Washington, include interest rates and fees. The maximum interest rate that lenders can charge is 15% for the first $500 and 10% for amounts exceeding $500. For example, if you borrowed $100, you would have to pay back $115. The maximum fee that lenders can charge is $15 for every $100 borrowed.

Benefits and Risks of Payday Loans in Pacific, Washington

  • Benefits: Payday loans can be a lifesaver when you need quick cash for emergencies. The application process is simple and straightforward, and you can get funds in as little as 24 hours.
  • Risks: Payday loans have high-interest rates and fees, which can make them expensive. If you are unable to repay the loan on time, you could face additional fees and interest charges or even legal action.

Interesting Facts About Payday Loans in Pacific, Washington

  • In Pacific, Washington, over 25% of households are living in poverty, making payday loans a common option for many residents.
  • The average payday loan in Pacific, Washington is $400.
  • Payday loan borrowers in Pacific, Washington often use the funds for unexpected car repairs and medical bills.

Apply Now for a Payday Loan in Pacific, Washington

TheGuaranteedLoans can connect you with potential lenders who can offer payday loans in Pacific, Washington. Fill out our online application today and get connected with lenders who can help you with your financial emergency. Keep in mind that TheGuaranteedLoans is not a direct lender.

Payday loans can be a great financial solution in an emergency, but they should be used with caution. Always read the terms and conditions of the loan agreement carefully and make sure that you understand the fees and repayment schedule. If you have any doubts, don’t hesitate to ask questions and seek advice from a financial professional.

F.A.Q.

Are there any restrictions on the number of payday loans that a single borrower can take out in Pacific, Washington?

Yes, Washington state law only allows borrowers to have one outstanding payday loan at a time.

Are there any special protections for consumers who are victims of predatory lending practices in Pacific, Washington?

Yes, the Washington State Department of Financial Institutions has a consumer protection unit that investigates and takes action against predatory lending practices. Consumers who feel they have been treated unfairly can file a complaint with the department.