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Washington State

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: 8 Days —45 Days

Permitted Fees: $100.00 – $500.00 limited to 15 percent of the principal
$500.00 – $700.00 limited to 10 percent of the principal

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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