Online Payday Loans in Washington | No Hard Credit Check| Fast Cash Loans | Borrow Money

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Need cash as soon as possible? FaaastCash helps you to connect with Washington direct lenders. They are ready to provide you with loan offers that suit your needs. Washington online loans have competitive interest rates and flexible repayment terms compared to other states. Don’t hesitate to apply for cash loans in Washington and get the necessary amount to cover your unexpected expenses.

Washington Payday Cash Advances – Terms and Interest Rates

If you are a Washington resident, you may get up to a $700 payday loan, but not exceeding 30% of your monthly income for a maximum of 45 days. It is legal in Washington according to Wash. Rev. Code Ann. 31.45.010 et seq.1. It sets a maximum APR of 390%. Payday loans are fee-based loans. The fees vary depending on the amount of a cash advance: for a $500 loan, it’s 15%, and for higher amounts – 10%.

A maximum of 8 loans a year are allowed. You must pay them off on time without rollovers, renewals, or extensions. You may get a repayment plan for 90-180 days without any additional fees.

Related Reading: Washington Payday Loan Law and Legislation

How Do Payday Loans Online Work in WA?

Washington payday loans work the same as other loan products.Consumers apply online by filling in the loan request form and submitting it. The completed form is sent electronically to our direct lending partners, who will review your request. You’ll receive an answer on your loan approval in 90 seconds or less.

If a lender approves your loan request, you will be connected directly to them to review the loan offer and sign the agreement online after discussing all the terms and conditions. After these formalities, the lending company will transfer your Washington payday loan funds the next business day. Also, the loan provider will withdraw the loan amount from your account on the agreed repayment date. Everything is online and 100% safe for all customers.

FaaastCash works only with a network of trusted direct lenders that provide quality financial products for borrowers who need emergency cash. If you are one of them, be sure you’ll get reasonable interest rates and flexible repayment plans. FaaastCash is not a lender but a referral source to increase your approval odds.

Costs & Fees for Payday Cash Advance Loans in WA

In Washington, you’ll be charged a loan fee of 15% on the first $500 and 10% above $500. There are no collection fees, only the origination fee of $7. Thus, you may be charged $15 for a 14-day $100 loan.

Washington Payday Loan – Representative Example

An 18-day payday loan of $500.00 has an APR of 304.17% and a finance charge of $75.00. This sum doesn’t exceed the total amount of a payday loan restricted by state law. See below the table with other APR examples of the 14-day terms.

Amount Borrowed Fees APR Amt. Due
        $100         $15         390%         $115
        $300         $45         390%         $345
        $400         $60         390%         $460
        $700         $105         390%         $805

Fast Payday Loan in WA – Factors to Consider in Qualifying

Before applying for fast payday loans in Washington, borrowers must meet several eligibility criteria. As they are essential, most consumers may qualify for payday cash advances. So, if you need extra cash and you live in Washington, check the following requirements:

  • Be 18 years old or more.
  • Be a US citizen or US legal resident.
  • Have a steady income.
  • Have an active bank account.
  • Have an active email address and phone number.

Online Payday Loans for Bad Credit Scores

Choose payday loans online for bad credit . Consumers with a poor credit history are welcome to apply for online payday loans in Washington. Your bad credit isn’t a reason to give up when looking for emergency cash. Our direct lenders do not do hard credit checks. They review the general information of your current financial condition, particularly your current income and ability to repay the loan.

FAQs - Washington Payday Loans

Can I Get a No Hard Credit Check Payday Cash Loan in Washington?

Most lenders in Washington don’t run hard credit checks through the three main credit bureaus. They perform electronic checks called “soft credit checks” because of their simplicity and access speed.

Can I Get a No Hard Credit Check Payday Cash Loan in Washington?

FaaastCash wants to help consumers around Washington State discover the best financial solutions. It is easy to find a legitimate and licensed direct lender.

Is FaaastCash working with licensed lenders only?

We work only with a network of trustful and licensed lenders that operate according to the lending laws of Washington. Feel free to ask your lender all your questions before accepting any loan offer.

Will I get guaranteed approval for my payday loan in WA?

No legitimate lender will ever guarantee approval, but you can increase your chances by meeting all the requirements for online payday loans. About 80% of applicants are approved.

Where else can I apply for your services if I am from somewhere other than Washington?

We provide online loans in all states where they are legal.

What cities of Washington are available to apply for loans?

All the cities of Washington are available for consumers to borrow the payday loans they need. If you’re a resident of Washington, then you should feel free to apply for online payday cash loans.

Can I get 1-hour payday loans in Washington?

When you apply online for payday cash loans, you'll receive a response in seconds, but funding within an hour is not guaranteed. Typically, you'll access the money on the next business day. Some lenders may transfer the money the same day if you apply before noon, depending on application procedure. However, getting a loan funded in less than one business day is rare.

Payday loan stores near me - How to find them?

Please don’t search for stores or drive around looking for them; make it happen online. It is safe, secure, and accessible for all borrowers. You won’t have to stay in line to apply or waste your time and gas money either. Apply online on our platform and access your funds as soon as possible. Plus, why not have 100+ lenders reviewing your request instead of 1.

What are the best payday loans in WA?

The best payday loans in Washington have the most reasonable fees and repayment schedules. But keep in mind that all lenders must abide by Washington state lending laws, so the rates are the same for all legitimate, licensed lenders.

Apply for online payday loans today!

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Applying does NOT affect your FICO® credit score!
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