Washington Online Loan Rates and Fees

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Rates and Fees

Washington Small Loan

Rates and Terms for Washington

Loan Amounts:	Minimum loan amount is $100.00 Maximum loan amount is $700.00 or 30 percent of the borrower’s gross monthly income, whichever is lower. Based on your income and other factors, loan limits will be determined on an individual basis.
Term of Loan:	14 Days —45 Days
Permitted Fees:	$100 - $500.00 limited to 15 percent of the principle $500 - $700.00 limited to 10 percent of the principle The cost of a loan is $15.00 per $100.00 borrowed for the first $500.00 and $10.00 per $100.00 borrowed for anything in excess of 500.00. The Annual Percentage Rate (“APR”) will vary depending on the length of your loan (see table below).
Number of Loans:	In a 12- month period the maximum number of loans a single borrower can obtain is eight (8).

Example APR and Fee Schedule

The Annual Percentage Rate (“APR”) will vary depending on the length of your loan (see table below). The table below shows the Annual Percentage Rate ("APR") for loan amounts ranging from $100 to $700 and loan terms ranging from 7 to 31 days in length.

$ Amount Borrowed	$ Fees Charged	$ Amount Due	Days	APR	Days	APR	Days	APR
$100.00	$15.00	$115.00	7	782.14%	14	391.07%	31	176.61%
$200.00	$30.00	$230.00
$300.00	$45.00	$345.00
$500.00	$75.00	$575.00
$700.00	$95.00	$795.00		707.65%		353.83%		159.79%

Terms of the loan may vary. See your loan agreement for disclosure terms, APR and length of loan terms.

Additional Information

By Washington regulations, all Washington customers must provide proof of gross monthly income. A customer may provide proof of gross monthly income with the following:

Most recent pay stub or payroll receipt
Customer’s receipt documenting payment of government benefits
Record of bank statements

Your Right to an Installment Plan – A borrower has the right to convert a small loan into an installment plan. The borrower must make the request before the close of business day before the small loan’s due date.

Your Right to Rescind (cancel) this loan - A borrower may rescind a small loan no later than the end of the business day immediately following the day on which the small loan was made. To rescind a small loan, a borrower must inform the lender that the borrower wants to rescind the small loan, and the borrower must return the cash amount of the principal of the small loan to the lender.

Payday Lending – Borrowers Rights and Responsibilities
Please click for information regarding changes to the payday lending law due to chapter 510, Laws of 2009 (ESHB 1709). Payday Lending – Borrowers Rights and Responsibilities (En Español)

Loan License and Registration:

If you have questions about your rights and responsibilities when taking out a payday loan, contact the Department of Financial Institution at 1 800-RINGDFI (1 877 746-4334) or (360 902-8700) or 150 Israel Road S.W., Tumwater, Washington, 98501.

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Payday Loans are also commonly referred to as Cash Advance, Payday Advances, Payday Advance Loans and Fast Cash Loans

Check City does not usually utilize traditional credit checks as part of the payday loan approval process. However, Check City may, at its discretion, verify application information by using national consumer loan underwriting databases that may include information relating to previous cash advance transactions that Check City may take into consideration in the approval process. Additionally:

*Actual loan amounts vary. See State Center for specific information and requirements.

***Products or services offered to customers may vary based on customer eligibility and applicable state or federal law.

***Some customers applying for payday loans or installment loans may be required to submit additional documentation due to state law and qualification criteria

Customer Notice: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

Check City provides loan services in: Alabama, California, Hawaii, Idaho, Illinois, Indiana, Kansas, Michigan, Missouri, Nevada, New Mexico, North Dakota, South Dakota, Texas, Utah, Wisconsin, and Wyoming.

Check City acts as a credit services organization/credit access business (CSO/CAB) in Texas and is not the lender – loans there are made by a third-party lender.

*Loan proceeds issued through our website are generally deposited via ACH for delivery next business day if approved by 8pm CT Mon. – Thu. or by 8pm Saturday.

‡Maximum funded amount for payday loans or installment loans depends on qualification criteria and state law. See Rates and Terms for details.

++Please see Rates and Terms to check the availability of online loans in your state. Check City does not provide loan services in all states.

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This is an invitation to send a loan application, not an offer to make a short term loan. This service does not constitute an
offer or solicitation for payday loans in Arizona, Arkansas, Colorado, Georgia, Maryland, Massachusetts, New York, Pennsylvania, or West Virginia.