Get a payday loan in no time

Speedy Payday Loans Online in Washington (WA)

Unfortunately, a bottomless purse only happens in fairy tales, and the need for urgent purchases is quite common in everyday life. If the money situation is becoming more and more critical, the best way out is a speedy payday loan that will close the hole in your budget for a short time. Now you can repair your car before you receive your next paycheck, go to the movies or meet friends, and even go on vacation.

Table of contents

Payday loans in Washington (WA) and why get them

A payday loan (also known as a cash advance loan) is a short-term loan that can help you cover immediate cash needs until you get your next paycheck. Such a loan allows a borrower to have up to $1,000 for personal financial purposes. It is a type of lending in which you do not need to contact the bank, wait for approval, collect a lot of documents and worry about the lender’s decision. In addition, you do not always need a large loan. Sometimes you only need a few hundred dollars to reach the cherished goal, and, unfortunately, there is no one to borrow from. Online payday loans have already helped many Americans to borrow cash without using the services of banks.

what is payday loan

To get a bank loan, you need to go to a financial institution, fill out an application, do paperwork and wait for approval. We offer a new and very convenient service – speedy payday loans online. You can borrow the necessary amount without leaving your home by just filling out the application form on our website.

5 top reasons to get speedy loans in Washington

As a rule, small-dollar loans are taken when money is urgently needed. Situations and reasons are different, but the most common include the following:

  1. Your paycheck is delayed. The funds are over, and you need to hold out a few more days, then a speedy loan online is an excellent option. Moreover, when you receive your paycheck, the loan can be repaid ahead of schedule;
  2. Expensive purchases. If you urgently need to buy a smartphone, computer or something else, and you need a few hundred dollars, then it is worth applying for a cash advance loan;
  3. Force majeure circumstances. You may need to undergo an urgent medical examination, purchase medication or repair your car. You can apply for a loan at any time and deal with unexpected expenses;
  4. Daily expenses, payment for services. It happens that you do not have enough money to pay for housing and utility bills or buy groceries. A small-dollar loan will help;
  5. Vacation. For example, you found a last-minute tour offer, but you do not have the necessary funds are at the moment. In this case, a payday loan will come to the rescue.

There are no restrictions on loan uses. You can use the funds for whatever purpose.

Benefits of getting a payday loan online

The main advantage of payday loans is that the process involves no paperwork. To apply for a bank loan, you need to provide a lot of information. At the same time, when you apply for a small-dollar loan online, you must only provide a government-issued ID. So if you need the money urgently and there is no time to collect documents, this is a great option. After all, your SSN is always at hand;

Another advantage is relaxed borrower eligibility requirements. Representatives of a microfinance organization may well turn a blind eye to your bad credit history. You are likely to get accepted for a loan even if you have been declined by all banks. And some companies approve applications even for people who have outstanding debt at the time of application;

Not all microfinance organizations require official employment. Many of them issue loans to the unemployed, students and other categories of citizens. This is a great option, for example, for those who has an informal job or is self-employed;

An online loan is a convenient option for those who want to borrow a small amount. Banks prefer to issue large loans and will reject your request for a $500 loan. If you just need several hundred dollars, it makes sense to contact a microfinance organization. However, some lenders from our network also issue large loans;

You will not be required to provide collateral, as is often the case in banks. No guarantors are needed. Some lenders from the network may ask for the contact details of your 1-2 acquaintances or relatives. But they will be required only if you are wanted due to non-payment of the debt;

Applying for online speedy loans is very easy. It is enough to have any device with Internet access and 10-15 minutes of free time. In most cases, the lender makes a decision instantly. If your application is approved, the money is transferred to your bank account within a few hours or even immediately. You can also pay off the debt via the Internet, without visiting the company’s office.

Things to consider when getting a payday loan in WA

In order not to make a mistake in choosing the right lender, you need to read the agreement carefully since each lender has its own regulations, restrictions and features. You need to pay attention to:

  • whether money is transferred to a bank account;
  • APR;
  • origination fee and other fees (if any);
  • possible penalties;
  • loan extension option;
  • early repayment option;
  • loan term;
  • eligibility criteria;
  • repayment options.

Since a loan is often taken when there is not enough money to buy a certain thing, or a person has an unforeseen situation, it is necessary to get acquainted with some aspects of cooperation with the lender. And if it turns out that you are not satisfied with either the interest rate or the loan duration, you should not sign the agreement.

Getting a loan is fast and easy

To get accepted for a loan with us, you just need to follow 3 easy steps:


Fill out an application form


Get matched with the lender


Get money

Get Started

When filling out an application form, you will only need to provide some basic personal details, such as your name, birth date, social security number, home address, phone number, etc. You also need to indicate how much you want to borrow. If accepted for a loan, you will need to agree to all the terms and conditions of the contract. But remember that a payday loan can be a useful and convenient tool when coping with emergency situations. This type of loans can’t help you deal with serious financial problems.

What are the costs and fees for a payday loan in Washington?

Here’s what fees and costs you can expect when getting online speedy loans in Washington:

  • Maximum amount: not specified;
  • Maximum term: vary from one week to 31 days;
  • Maximum APR: 309% for a 14-day $100 loan;
  • Finance charges: If the loan amount does not exceed $30, payday lenders cannot charge more than $1 per every $5 borrowed.
  • Acquisition charges. If the loan amount ranges between $30 and $100, you may expect a legit acquisition charge of 1/10 of the loan amount. If your loan amount exceeds $100, the acquisition charge cannot be over $10.

Who is eligible for a speedy payday loan in WA?

With us, it’s easy to get approved for a speedy loan in Washington, but you need to meet certain borrower eligibility requirements:

  1. Be a legal resident of Washington. You need to confirm your legal resident status by providing your current home address;
  2. Be at least 18 years old. Lending money to consumers under this age is illegal in Washington;
  3. Have a permanent source of income and earn at least $1,000 per month. This way, the lender can be sure that you can repay your loan;
  4. Have a phone number and a valid email address. If you don’t provide the lender with this information, it will be impossible to contact you;
  5. Not be a debtor in bankruptcy.

Loans for bad credit with no hard credit checks

Do you need money urgently? But your credit history is far from perfect? The bank is unlikely to agree to meet you halfway and issue a loan, or you will be offer a sky-high interest rate.

If you have a low credit score, don’t despair, there are many microfinance organizations that will issue you a bad credit loan which can be used for whatever needs. To get up to $1,000, you just need to go fill out an application form online.

Moreover, you won’t be asked to provide income proof certificates or information about wages, which allows you to reduce your time to process a loan. At the same time, the percentage of approved applications reaches 95%, which increases the likelihood of getting a speedy loan even if you have a bad credit history.

Alternatives to payday loans in Washington

Personal loans

Larger loans that you can use for a variety of purposes

Installment loans

Get the money you need right now. Pay it back over time.

Title loans

Get the money you need while continuing to drive your vehicle.

Frequently Asked Questions

Q: How much can I receive with a payday loan?

A: You are eligible to receive between $100 and $1,000.

Q: Can I repay a payday loan early?

A: Yes, you can repay the outstanding balance, at anytime without charge or penalty.

Q: How much does it cost to use a loan referral service?

A: Using our online referral service is free of charge.

Q: What should I do if I am unable to repay my loan on time?

A: If you can’t pay off a loan on time, it’s best to talk to your lender. Perhaps, they will offer you a new payment plan.