Loans in Columbia County, WA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Columbia County, WA.
The median household in Columbia County earns $71,810 a year, 27% below the Washington median of $98,141. About 9% of residents live below the federal poverty line, and 22.3% of households rent their home. 10.7% of households have no home internet; our form works on any phone.
What you need for a payday loan in Columbia County
Lenders that serve Columbia County typically ask for the following:
- 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 Columbia County
What Columbia County borrowers use it for
handle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Columbia 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 Columbia County
Banks with branches in Columbia County
3 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Glacier Bank | 1 | 427 E Main St, Dayton 99328 |
| Banner Bank | 1 | 126 E Main St, Dayton 99328 |
| Bank of Eastern Oregon | 1 | 306 E Main St, Dayton 99328 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Columbia County. The nearest counties with credit unions:
Credit unions in Walla Walla County
8 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Gesa | 1603 Penny Ln, Walla Walla 99362 |
| Spokane Teachers | 1288 Se Commercial Dr, College Place 99324 |
| Hapo Community | 2376 Taumarson Rd, College Place 99324 |
| Potlatch No. 1 Financial | 1721 Dalles Military Rd, Walla Walla 99362 |
| Blue Mountain | 520 S College Ave, College Place 99324 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Asotin County
4 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Spokane Teachers | 118 Bridge St, Clarkston 99403 |
| Potlatch No. 1 Financial | 1301 Highland Ave, Clarkston 99403 |
| Lewis Clark | 1451 15Th St, Clarkston 99403 |
Source: NCUA credit union branch data, June 30, 2026.
All Washington counties and cities
Frequently asked questions
Are payday loans legal in Columbia County?
Columbia 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 Columbia County?
Washington has no car-title-loan law.
Where can I get a small loan in Columbia County?
Options include 3 bank 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 Columbia County?
Fill out our short online form from anywhere in Columbia 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.
Where can I get a loan in Columbia County, WA?
You can apply at banks, credit unions and lenders in Columbia 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 Columbia 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. Columbia County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Columbia County with bad credit?
Yes, many lenders in our network work with Columbia 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.
Can I get an emergency loan in Columbia County?
Yes. When an unexpected bill comes up, Columbia 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.