Payday Loans in Saint John, Washington

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

Company nameAddressZip codePhone number
Woodinville Pawn Inc. 17530 132nd Ave NE G, Woodinville, WA 98072 +1 (425) 806 - 7296
Leonard P Lewicki - Ameriprise Financial Services, Inc. 224 W Washington St 105, Sequim, WA 98382 +1 (360) 582 - 3168
KeyBank 1100 Yelm Ave E, Yelm, WA 98597 +1 (253) 875 - 7572
Chase Bank 1561 E Main St, Freeland, WA 98249 +1 (360) 331 - 6141
Money Mart 9612 17th Ave SW, Seattle, WA 98106 +1 (206) 767 - 6669
US Bank Mortgage 514 9th St, Benton City, WA 99320 +1 (509) 588 - 3416
Horizon Credit Union 601 S Pioneer Way A2, Moses Lake, WA 98837 +1 (800) 852 - 5316
Longshore Federal Credit Union 3107 John Stevens Way, Hoquiam, WA 98550 +1 (360) 532 - 9224
Kelly Williams Fairway Independent Mortgage Corporation Loan Officer 21006 WA-410 East, Bonney Lake, WA 98391 +1 (253) 426 - 8514
U.S. Bank 801 6th St, Prosser, WA 99350 +1 (509) 786 - 1040

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Saint John, WA, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Auburn, WA, Payday Loans in Bellevue, WA, Online Loans in Bellingham, WA, Payday Loan Without a Credit Check in Bothell, WA, Payday Loan Companies in Bremerton, WA, Payday Loans in Edmonds, WA, Short-term Loans in Everett, WA and No Credit Check Loans in Federal Way, 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 Saint John, WA.

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Are Payday Loans Legal In Saint John, 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%

Saint John, WA payday loan calculator

Advise to read before applying

Understanding Payday Loans in Saint John, Washington

Payday loans are a common way for people to quickly access cash to cover emergency expenses or unexpected bills. These short-term loans typically come with high-interest rates and fees, but they may be a necessary option for those who need cash fast.

In Saint John, Washington, payday loans are legal as long as the lender is licensed by the State of Washington and complies with all applicable laws and regulations. The maximum loan amount is $700, and the term of the loan cannot exceed 45 days. Borrowers are allowed to take out a maximum of eight loans per year, with no rollovers allowed.

The Pros and Cons of Payday Loans in Saint John, Washington

Payday loans can be a useful option for those in need of quick cash. However, it’s essential to consider the pros and cons before applying for a payday loan in Saint John, Washington.

Pros:

  • Fast and easy application process.
  • No collateral required.
  • No credit check required.
  • Loan approval is typically quick.

Cons:

  • High-interest rates and fees.
  • Short repayment period.
  • May lead to a debt cycle if not paid back on time.
  • May not be suitable for long-term financial needs.

How to Apply for a Payday Loan in Saint John, Washington

If you need to apply for a payday loan in Saint John, Washington, here are the steps you should follow:

  1. Find a licensed payday lender in the area. You can search online or visit a local lender in person.
  2. Fill out the loan application. The application typically requires your personal and financial information.
  3. Provide the lender with the necessary documentation, such as a recent paycheck stub, bank statement, or government-issued ID.
  4. Wait for loan approval. If approved, you will receive the loan amount in your bank account within a few hours or the next business day.
  5. Repay the loan on your next payday, which is typically due within 14-45 days.

Facts and Statistics

Here are some interesting facts and statistics about payday loans in Washington:

  • The average payday loan amount in Washington is $558, with an average APR of 139%.
  • In 2019, Washington borrowers took out 1.7 million payday loans.
  • Washington is one of 27 states that have legalized payday lending.
  • The payday lending industry in Washington is worth over $300 million annually.
  • More than 80% of payday loans in Washington are taken out by borrowers who already have outstanding loans.

Apply Now

If you need a payday loan in Saint John, Washington, TheGuaranteedLoans is here to help. Fill out our online application to connect with potential lenders who may be able to offer you a loan. Remember, TheGuaranteedLoans is a connector service, not a direct lender, and we do not guarantee loan approval. However, we’ll do our best to assist you in finding a lender that can meet your needs.

F.A.Q.

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

If you are unable to repay your payday loan in Saint John, 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 Saint John, Washington?

Yes, payday lenders in Saint John, 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.

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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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