Loans in Benton County, WA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Benton County, WA.
The median household in Benton County earns $89,874 a year, 8% below the Washington median of $98,141. About 11% of residents live below the federal poverty line, and 32.4% of households rent their home.
What you need for a payday loan in Benton County
Here's what to have on hand before you start your payday loan request in Benton 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 Benton County
What Benton County borrowers use it for
the fastest options online
Car repairskeep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Benton 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 Benton County
Banks with branches in Benton County
32 FDIC-insured bank branches from 16 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| U.S. Bank National Association | 4 | 1000 Columbia Center, Kennewick 99336 |
| Banner Bank | 4 | 1115 Meade Ave, Prosser 99350 |
| Yakima Federal Savings and Loan Association | 4 | 601 Market St, Prosser 99350 |
| Bank of America, National Association | 3 | 3420 W Kennewick Ave, Kennewick 99336 |
| JPMorgan Chase Bank, National Association | 3 | 711 Jadwin Ave, Richland 99352 |
| BMO Bank National Association | 2 | 7525 W Canal Dr, Kennewick 99336 |
| KeyBank National Association | 2 | 23 W Kennewick Ave, Kennewick 99336 |
| Columbia Bank | 2 | 211 Torbett St, Richland 99354 |
| Baker-Boyer National Bank | 1 | 1149 N Edison St, Kennewick 99336 |
| Wells Fargo Bank, National Association | 1 | 401 N Kellogg St, Kennewick 99336 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Benton County
28 credit-union locations from 6 credit unions.
| Credit union | Location |
|---|---|
| Idaho Central | 3720 S Zintel Way, Kennewick 99337 |
| Gesa | 825 Goethals Dr, Richland 99352 |
| Spokane Teachers | 4842 W Hildebrand Blvd, Kennewick 99338 |
| Hapo Community | 601 Williams Blvd, Richland 99354 |
| Numerica | 3115 W Kennewick Ave, Kennewick 99336 |
| Tri-Cities Community | 3213 W 19Th Ave, Kennewick 99337 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Benton County
All Washington counties and cities
Frequently asked questions
Are payday loans legal in Benton County?
Benton 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 Benton County?
Washington has no car-title-loan law.
Where can I get a small loan in Benton County?
Options include 32 bank and 28 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 Benton County?
Fill out our short online form from anywhere in Benton 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 get a loan in Benton 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. Benton County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Benton County?
Yes. When an unexpected bill comes up, Benton 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.
Where can I get a loan in Benton County, WA?
You can apply at banks, credit unions and lenders in Benton 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 a loan in Benton County with bad credit?
Yes, many lenders in our network work with Benton County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.