Loans in Adams County, WA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Adams County, WA.
The median household in Adams County earns $66,136 a year, 33% below the Washington median of $98,141. About 20% of residents live below the federal poverty line, and 30.7% of households rent their home.
What you need for a payday loan in Adams County
Here's what to have on hand before you start your payday loan request in Adams County:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Adams County
What Adams County borrowers use it for
keep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Adams County
Payday Loans Legal
Payday loans ('small loans') are legal in Washington from check cashers or sellers that hold a DFI small loan endorsement under RCW 31.45.
Personal Loans
25% simple annual interest cap plus up to 4% origination fee (Consumer Loan Act).
Title Loans Not available
Washington has no car-title-loan law.
Banks and credit unions in Adams County
Banks with branches in Adams County
5 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| U.S. Bank National Association | 2 | 665 E Main St, Othello 99344 |
| Columbia Bank | 2 | 605 East Main Street, Othello 99344 |
| Glacier Bank | 1 | 101 E 1st Ave, Ritzville 99169 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Adams County
2 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Spokane Teachers | 1335 E Main St, Othello 99344 |
Source: NCUA credit union branch data, June 30, 2026.
All Washington counties and cities
Frequently asked questions
Are payday loans legal in Adams County?
Adams County follows Washington law. Payday loans ('small loans') are legal in Washington from check cashers or sellers that hold a DFI small loan endorsement under RCW 31.45.
Are title loans legal in Adams County?
Washington has no car-title-loan law.
Where can I get a small loan in Adams County?
Options include 5 bank and 2 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Adams County?
Fill out our short online form from anywhere in Adams County. We share it with lenders in our network that serve Washington; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I apply for a loan online in Adams County?
Yes. You don't need to visit a branch or storefront anywhere in Adams County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Washington. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Can I get a loan in Adams County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Adams County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Adams County, WA?
You can apply at banks, credit unions and lenders in Adams County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Washington residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get an emergency loan in Adams County?
Yes. When an unexpected bill comes up, Adams County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.