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Don’t apply for a payday loan in Washington, DC before you know the facts.

A payday loan can seem like a lifeline when you have less-than-perfect credit and you’re looking to borrow a small amount of money, but if you’re a resident of the capital, you won’t be able to borrow. Read our guide to learn about your alternative options.
CashUSA Installment Loans

Our top pick: CashUSA

Need a quick cash loan as high as $10,000? This loan connection service could help.

  • Min. Loan Amount: $500
  • Max. Loan Amount: $10,000
  • Loan Term: 90 days to 72 months
  • Turnaround Time: As early as 1 business day
  • Requirements: Must have a monthly income of $1,000+ after taxes and valid checking account.

    Are payday loans legal in Washington, DC?

    No. Payday loans aren’t legal in Washington, DC under the Amended District of Columbia Code Section 28-3301. The capital caps interest at 24%, which is far lower than the interest charged by payday lenders in other parts of the US. Although they aren’t specifically banned, payday lenders choose not to offer loans because of the cap on interest.

    What other borrowing options do I have in Washington DC?

    While high interest payday lending is illegal in DC you can think about getting credit in other ways. Three options include:

    • Installment loans. An installment loan is a short-term form of credit similar to a payday loan that’s paid back over a longer period of time. You’ll typically pay back an installment loan over a few months to a couple of years.
    • Credit card cash advance. Depending on your situation, you could look into withdrawing cash from your credit line at an ATM. Your limit depends on your balance and comes with a high interest rate, similar to payday loans.
    • Tribal loans. You could still have the option of getting a loan if you go through a tribal lender like Blue Trust Loans. Since these lenders are based on tribal land, they are considered a sovereign entity and are able to abide by their own laws.
    • A loan connection service. Submitting your info through a connection service allows that provider to try and pair you with a suitable lender in its network. They may have small providers that can lend to you while still abiding to state laws.

    Loan options to compare

    A selection of online installment loans

    Rates last updated December 11th, 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
    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.
    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.
    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.
    Blue Trust Loans Installment Loans
    Get an installment loan from an online tribal lender. Perks for returning borrowers.
    $2,000
    As soon as next business day
    Must be at least 18 years old and have a verifiable source of income with direct deposit into your checking account.
    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.
    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.
    Slam Dunk Loans
    Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.
    $2,500
    As soon as next business day
    Must be employed, receive regular income, earn at least $800 a month, have a checking account, be 18+ yrs old and a US citizen.

    Compare up to 4 providers

    A selection of lender-connection services

    Rates last updated December 11th, 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
    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.
    CashAdvance.com Payday Loans
    Whether for emergencies or unexpected expenses, this provider may be able to connect you among its nationwide network of lenders.
    $1,000
    1–2 business days
    You must be at least 18 years old with take-home monthly income of at least $1,000 after taxes.
    BadCreditLoans.com
    With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
    $5,000
    Varies
    Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.
    Slam Dunk Loans
    Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.
    $2,500
    As soon as next business day
    Must be employed, receive regular income, earn at least $800 a month, have a checking account, be 18+ yrs old and a US citizen.
    TriangleCash Payday Loans
    If you have bad credit or no credit history, apply to be connected to a network of lenders for funding at rates that vary by state.
    $1,000
    As soon as next business day
    You must be a US citizen, at least 18 years old, and have a valid bank account.

    Compare up to 4 providers

    What if I can’t get a personal loan or credit card?

    You have other options to consider if borrowing money from a creditor doesn’t work out for you. These include:

    • Apply for an assistance program. Capital Area Food Bank Hunger Lifeline, The Utility Discount Programs and the Low Income Home Energy Program all help people when they’re in need. If you’re struggling to make ends meet, consider applying for one of these or the many other local area programs.
    • Consider free debt management help. If you have multiple bills you need to take care of, a debt consolidation loan could help you bring them all together and lower the total cost of your payments. Find free debt management help online or in your area. You could also consider a paid debt settlement service.
    • Find a credit counselor. While it won’t help you in the short term, a credit counselor can help you get your finances in order to make paying for future expenses easier. There are plenty of options to choose from, so don’t hesitate to do your research and find a good one.
    • Get a side gig. You could consider making extra money with a side hustle. Some ideas include driving for a ridesharing service like Uber or a food delivery service. If you have a skill that’s in high demand, you could consider freelancing for things like graphic design or writing.

    Explore your other alternatives here

    Why are payday loans illegal in DC?

    Due to the high cost of payday loans, lawmakers in DC have decided to prevent lenders from offering them to residents of Washington, DC. Many consumer advocate groups consider payday loans to be predatory with interest rates designed to keep people in debt.

    Because of this, you won’t be able to get a payday loan in the capital.


    Cash advance locations in Washington, D.C.

    Cash advance locations near you in Washington, D.C

    If you’d like to visit a physical store for a cash advance here are some options:

    • ACE Cash Express. 6221 Georgia Ave NW, Washington, DC 20011
    • ACE Cash Express. 5429 5th St NW, Washington, DC 20011
    • ACE Cash Express. 3663 Georgia Ave NW, Washington, DC 20010
    • ACE Cash Express. 1786 Florida Ave NW, Washington, DC 20009
    • ACE Cash Express. 1515 U Street NW, Ste C-2, Washington, DC 20009
    • Paradigm Funding & Payment. 1325 G St NW, Washington, DC 20005
    • Check Cashing One. 3433 14th St NW B, Washington, DC 20010,
    • A One Cash Inc. 3112 Mt Pleasant St NW, Washington, DC 20010
    • Check Cash Depot. 1756 Columbia Rd NW, Washington, DC 20009
    • ACE Cash Express. 601 H St NE, Washington, DC 20002
    • ACE Cash Express. 1512 Benning Rd NE, Washington, DC 20002
    • ACE Cash Express. 3903 Benning Rd NE, Washington, DC 20019
    • ACE Cash Express. 1245 Good Hope Rd SE, Washington, DC 20020
    • ACE Cash Express. 3829 Pennsylvania Ave SE, Washington, DC 20020
    • ACE Cash Express. 2441 Good Hope Rd SE, Washington, DC 20020
    • ACE Cash Express. 2922 Martin Luther King Jr Ave SE, Washington, DC 20032
    • Check Cash One. 2529 Pennsylvania Ave SE, Washington, DC 20020

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    2 Responses

    1. Default Gravatar
      InfinityNovember 26, 2018

      Is Infinity loans of Washington DC a scam?

      • Default Gravatar
        joelmarceloNovember 27, 2018

        Hi there,

        Thanks for leaving a question on finder.

        Unfortunately, we do not have any information about Infinity Loans on finder. You can instead look up their company name to look up reviews so you can weigh your options in getting a loan. If you live in Washington, the lenders above may be able to help you as long as you qualify for the eligibility requirements.

        Please send me a message if you need anything else. :)

        Cheers,
        Joel

    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