Get a Payday Loan in Seattle, WA
Three minutes to request, no fee, and no obligation to accept any offer.
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Washington loan rules at a glance
| Rule | Washington limit |
|---|---|
| Legal status | Legal and regulated |
| Maximum loan amount | $700, or 30% of gross monthly income, whichever is less |
| Maximum term | 45 days maximum |
| Finance charge cap | 15% of the first $500 + 10% of any amount above $500 (DFI example: 14-day $500 loan ≈ 391% APR) |
| Rollovers | Rollovers prohibited; no more than 8 payday loans per 12 months (statewide database) |
| Cooling-off period | 1 day (24 hours) to cancel at no cost; statutory installment plan available on balances up to $400 (RCW 31.45.084) |
| Statute | Check Cashers and Sellers Act — RCW 31.45 (installment plan at RCW 31.45.084) |
Source: Washington State Department of Financial Institutions (DFI) · Rules verified July 15, 2026
Before you apply
No. The matching service is free for borrowers. You only ever pay the lender, under the terms written in the loan agreement you accept.
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Usually within minutes. If a lender makes you an offer and you accept during business hours, funds are typically deposited as soon as the next business day.