Payday Loans in Steptoe, Washington

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

Company nameAddressZip codePhone number
Johnston Julie 16201 E Indiana Ave, Spokane Valley, WA 99216 +1 (509) 892 - 0798
Kitsap Credit Union 51 WA-300, Belfair, WA 98528 +1 (360) 662 - 2000
Chase Mortgage 106 E Chelan Ave, Chelan, WA 98816 +1 (509) 682 - 2544
Chase Bank 10745 Silverdale Way NW, Silverdale, WA 98383 +1 (360) 698 - 2882
Cash America Pawn 10421 16th Ave SW, Seattle, WA 98146 +1 (206) 214 - 0824
Navy Federal Credit Union - ATM 2541 6th St, Bremerton, WA 98312 +1 (888) 842 - 6328
KeyBank 4 NW Division St, Wilbur, WA 99185 +1 (509) 766 - 3139
Washington Trust Bank ATM Only 105 W 8th Ave, Spokane, WA 99204 +1 (509) 353 - 4180
Timberland Bank 801 Trosper Rd SW, Tumwater, WA 98512 +1 (360) 705 - 2863
Bank of America with Drive-thru ATM 128 Bendigo Blvd N, North Bend, WA 98045 +1 (206) 358 - 2480

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Steptoe, WA

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

99174

Are Payday Loans Legal In Steptoe, 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%

Steptoe, WA payday loan calculator

Payday Loans in Steptoe, Washington – What You Need to Know

Are you facing a financial crisis and need quick cash to cover an unexpected expense or bill? If you live in Steptoe, Washington, you may be considering a payday loan. Payday loans are a type of short-term loan that can help you cover emergency expenses between paychecks. But before you apply for a payday loan, it’s important to understand how they work and what the requirements are in Steptoe.

What are Payday Loans?

Payday loans are short-term loans that typically range from $100 to $1,000, depending on state regulations. They are intended to help borrowers cover emergency expenses until their next paycheck. Payday loans are regulated at the state level, and in Steptoe, Washington, lenders must have a small loan endorsement to provide these loans.

How do Payday Loans Work in Steptoe, Washington?

If you live in Steptoe, Washington, and need a payday loan, you’ll need to find a lender that is licensed to provide small loans. Once you find a lender, you’ll need to provide proof of income and residency, and have a valid bank account. If you’re approved for a loan, you’ll typically receive the funds within one business day.

When you take out a payday loan, you’ll typically have to pay the loan back on your next payday. This means you’ll have to pay back the loan amount plus any interest or fees that apply. In Steptoe, lenders are allowed to charge up to 15% on the first $500 borrowed and 10% over $500 in interest on payday loans.

What Are the Pros and Cons of Payday Loans?

Payday loans can be a useful tool for borrowers who need quick cash and have no other options. But they can also be risky. Here are some of the pros and cons of payday loans:

Pros:

  • Quick and easy access to cash
  • No credit check required
  • Can be used for any purpose

Cons:

  • High-interest rates and fees
  • Short repayment term (typically 2 weeks to a month)
  • Risk of falling into a debt trap
  • Not a long-term solution to financial problems

Best Practices for Borrowing Payday Loans in Steptoe, Washington

Before you take out a payday loan in Steptoe, it’s important to understand the risks and best practices associated with this type of loan. Here are some tips:

  • Only borrow what you can afford to repay
  • Read the terms and conditions carefully
  • Shop around for the best rates and fees
  • Have a plan to repay the loan on time
  • Avoid borrowing more than one payday loan at a time

Interesting Facts and Statistics about Payday Loans in Steptoe, Washington

  • In Washington, the maximum amount you can borrow from a payday loan is $700 or 30% of your gross monthly income, whichever is less.
  • According to the Washington State Department of Financial Institutions, there were 1.3 million payday loans issued in the state of Washington in 2019.
  • The average payday loan amount in Washington in 2019 was $375.
  • In 2019, borrowers in Washington paid an average of 197% in interest and fees on payday loans.

Apply Now

If you need a payday loan in Steptoe, Washington, TheGuaranteedLoans can help connect you with potential lenders. Simply fill out our online application form, and we’ll match you with lenders that may be able to provide a loan that meets your needs. Remember, we are a connector service, not a direct lender, and we do not make credit decisions or provide loans directly. Our goal is to facilitate your connection with potential lenders who may be able to provide the loan you need.

In conclusion, payday loans can be a useful tool for borrowers who need quick cash, but they can also be risky. It’s important to understand the risks and best practices associated with this type of loan before you apply. By following these tips and being responsible with your finances, you can make informed decisions about payday loans in Steptoe, Washington.

F.A.Q.

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

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

Can I file a complaint against a payday lender in Steptoe, Washington if I feel I have been treated unfairly?

Yes, consumers can file a complaint against a payday lender in Steptoe, Washington with the Washington State Department of Financial Institutions. Complaints can be submitted online or by mail.