Payday Loans for Bad Credit in Washington

Personal payday loans sometimes referred to as a cash advance loan, is often a short term personal loan that is meant to be repaid at the time when the borrower receives their next payday. Online payday loans are becoming a lot more popular lately, as online technologies have enabled potential borrowers to connect with a lender more quickly than before.

Depending on a variety of factors like credit rating and loan amount $100-$1000, the terms of payday loans may vary, and a lender might provide individual loans to certain types of borrowers who fit their requirements.

What is a process to get a payday loan in Washington

Beginning the payday loan request in Washington process is more easy than in the past, because of the availability of online lenders and online lender networks. We aren’t a lender, but, we work with many lenders in our lender network who might provide payday loans.

To start out the request process, it’s as simple as filling out an easy online form that can take a few minutes to fill out. From there, a potential lender will overview your request, and should you meet their requirements, they might connect with you shortly.

Process of getting a payday loan in Washington

The procedure of getting a payday loan is different from getting a loan from a credit union or other financial institution. Banks may be much less ready to work with clients who have got a bad credit score. While a payday-particular lender could require a possible borrower to have a bank account, in most cases, they’ve less strict requirements than banks themselves.

For borrowers in Washington who need extra the money and don’t mind a loan’s term with a relatively short repayment schedule and potentially higher interest rates, a payday loan could be a choice to consider. However, it’s important to keep in mind, despite the fact that there are payday lenders willing to work with a bad credit score borrowers, it is virtually not possible to get a loan with no credit score check.

Requirements to get a payday loan in Washington

Personal credit isn’t the only requirement that goes into payday loans. A possible lender in Washington may additionally want to see your:

Proof of income

A lender may want to see that borrower has the means to pay back. For that reason, they could ask to see a proof of income, to check that the borrower has a regular flow of cash that can be used to pay back the loan in a timely manner. Keep in mind, when a lender is inspecting a potential borrower, they are thinking about the loan in terms of risk to their business. If they think that the borrower is likely to be risky with repayment, they might not go forward with the loan. But don’t be discouraged. Even low credit score borrowers might be able to get connected with a lender, as there are a lot of lenders who do offer payday loans to people with less than good credit score.


A powerful form of identification, a borrower’s Social Security number is a tool that some lenders will use to evaluate the borrower’s credentials further. It could help a lender get a fuller picture of a borrower’s profile, which can be used to determine whether or not the borrower is qualified to receive a loan.

Proof of residency

You might notice a standard theme in these requirements. Payday loan lenders want to make sure they know and understand anyone to whom they’re lending money. It is a reasonable process since anybody lending money would need to know the person who is borrowing it as well as possible. Proof of residency is just another tool that lenders might want to use when evaluating a potential borrower.

Checking account

Typically, if a borrower is approved and accepts a loan from a lender, the funds can be deposited directly into the borrower’s checking account. For this reason, many lenders might require potential borrowers to have an active checking account that can receive the funds. It might also give a lender another glimpse into the financial trustworthiness of a potential borrower.


A lender may want to take multiple steps to make sure a potential borrower is who they say they are. Because of this, some lenders ask for identification documents like:

  • a driver’s license
  • passport
  • state ID

Lenders may want to see these proofs because, for a lender, each loan they provide contains some form of risk for them. When they are considering whether or not to approve a certain borrower, it is often because the lender is weighing the potential risk and deciding if it suits their qualifications.

Payday loan locations in Washington

Other loan options

If you want more than $4000 or a longer-term, these short-term loans may be better for your needs.

Installment loans. An installment loan is a loan that is repaid over time with a set number of scheduled payments. Each payment is known as an installment, which is why it’s called an installment loan.

Personal loans. Personal loans are a type of installment loan you can use for a variety of purposes, like rent or paying off unexpected expenses.

Cash advance loans. Cash advance loans are a short-term loan that is quickly funded to your bank account after approval. They are very similar to payday loans.

Legal Status of Payday Loans by State

Online Payday Loans for Bad Credit in Indiana
Payday Loans for Bad Credit in North Carolina
Online Payday Loans in Missouri
Bad Credit Payday Loans in Ohio
Online Payday Loans for Bad Credit in North Carolina
Bad Credit Payday Loans in Alaska
Online Payday Loans in Delaware
Bad Credit Payday Loans in Louisiana
Online Payday Loans for Bad Credit in New Mexico
Online Payday Loans for Bad Credit in Kentucky
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