Short-term loans in Olympia, Washington | finder.com

Compare your loan options in Olympia, Washington

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

If you live in Olympia and are short on funds, a short-term loan might be able to help you last through your next payday.

There are plenty of reasons why you may be considering a short-term loan. Maybe your car broke down and you need to repair it right away, or maybe you just lost track of your bills and got behind. This guide will help you learn what to look for in lenders offer short-term loans in Olympia, Washington.

Check into Cash Payday Loan

Check into Cash Loans

Check into Cash allows you to directly apply for a payday loan and have your cash when you need it.

  • Min. Loan Amount: $50
  • Loan Term: Varies by state
  • Turnaround Time: 1–2 business days
  • Total Costs: Varies depending on the amount and your state of residency.
  • Must be 18+
  • No security needed
  • Confidential and secure!

    What Washington laws impact short-term loans in Olympia?

    All lenders are required to be licensed before they offer a loan. Whether a lender operates online or out of a storefront, the terms of any loan extended to a consumer must abide by Washington Revised Code Ann. 31.45.010 et seq. This means you can borrow no more than $700 or 30% of your gross monthly income, whichever is less.

    Loan terms can extend between your next payday to 45 days. If your next payday falls within 7 days of receiving the loan, the minimum term is your second payday from the loan’s start date. This can be a confusing situation, so check with your lender to be sure of the exact terms of your loan.

    We outline all the important laws of Washington state here

    Consider these lenders for a short-term loan in Olympia

    Rates last updated October 21st, 2018
    Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
    Name Product Product Description Max. Loan Amount Turnaround Time Requirements
    CashUSA Installment Loans
    A connection service for quick cash loans up to $10,000.
    $10,000
    As early as 1 business day
    Must have a monthly income of $1,000+ after taxes and valid checking account.
    OppLoans Installment Loans
    Installment loans with competitive rates from a top-rated direct lender.
    $5,000
    1 business day
    Must have direct deposit and meet minimum income requirements.
    LendYou Short-term Loans
    Apply online with this loan-connection company offering unrestricted short-term loans at high maximums — fast turnaround.
    $15,000
    1 business day
    You must be a US citizen or permanent resident, age 18+ and have a regular income.
    Check into Cash Payday Loan
    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
    $1,000
    1–2 business days
    You must be at least 21 and an American citizen and have a bank account, email address and phone number.
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    Varies by state
    1 business day
    You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
    Jora Installment Loans
    Installment loans with repayment terms up to 30 months, depending on your state.
    $2,600
    1–2 days
    Must have an active checking account, regular source of income and email address.
    ACE Cash Express Payday Loans
    Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
    Varies by state
    Generally receive the money the next business day
    Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.

    Compare up to 4 providers

    Why you might want to consider a short-term loan in Olympia

    • There are longer repayment terms. While in some states the maximum term is 30 days, in Olympia and other cities in Washington, you can have up to 45 days to repay your short-term loan.
    • You have various lender options. Several short-term lenders operate out of Olympia. If you can’t visit a physical location, you can always compare your options online.
    • There’s an easy application process. Applying for a short-term loan should take no more than a few minutes, provided you have all the required information close at hand. Most online lenders verify your credentials using the internet, so you won’t have to fax any documents.

    Claudia's dog needs emergency surgery

    payday loan olympiaClaudia’s dog required surgery for a wound that had gotten infected. She didn’t have enough money to afford it after paying for all her bills, and her next payday was two weeks away. Claudia didn’t have a credit card, and she knew she wouldn’t qualify for a personal loan because of her bad credit.

    She found an online short-term lender that took her gross monthly income into account and approved her $350 loan application. The loan was deposited into her bank account the next business day, and Claudia was able to pay the vet bill with no problem.

    The loan contracted stated she would have to repay the money in two weeks. This included the $52.50 in fees. The total $402.50 would be debited from her bank account on the due date, so Claudia made sure she had the amount saved up at the end of the loan term.

    What you’ll need to apply for a short-term loan in Olympia

    Whether you visit a storefront or go to a lender’s website, you’ll need to meet some basic eligibility criteria. You should be at least 18 years old, have a regular source of income and be a citizen or permanent resident of the US.

    To complete the application quickly and increase your chances of being approved, you’ll need to give the lender personal information about yourself.

    • Personal details like your name, date of birth and Social Security number
    • Contact details like your address, email and phone number
    • Employment details like your employer’s contact information and your monthly income
    • Bank account details like your routing number and account number

    Short-term stores in Olympia, Washington

    Short-term loan office locations near you in Olympia

    • Checkmate. 719 Sleater Kinney Rd SE #161, Lacey, WA 98503
    • Check Into Cash. 720 Sleater Kinney Rd SE e, Lacey, WA 98503
    • Moneytree. 1420 Marvin Rd NE, Lacey, WA 98516
    • 8765 Tallon Ln NE k, Olympia, WA 98516
    • Cash America Pawn. 3652 Pacific Ave SE, Olympia, WA 98501

    How much a short-term loan can cost

    When you take out a short-term loan in Olympia, you’ll need to pay a financing fee based on how much you borrow. It’s set at 15% for the first $500 and 10% for loans between $501 to $700.

    This means that a loan of $400 will cost you $460, not including any database fees or additional charges the lender might state in the loan contract.

    If you decide to take out a loan of $600, you’ll have to pay $75 for the first $500 and $10 for the last $100, totaling $85 in fees. Keep this in mind when deciding which lender you want to go with.

    Frequently asked questions

    Was this content helpful to you? No  Yes

    Ask an Expert

    You are about to post a question on finder.com:

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • finder.com is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked

    Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Privacy and Cookies Policy and Terms of Use.

    US Payday Loans Offers

    Important Information*
    Slam Dunk Loans

    Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.

    LendUp Payday Loans

    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

    Check into Cash Payday Loan

    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

    OppLoans Installment Loans

    Installment loans with competitive rates from a top-rated direct lender.

    Go to site