Loans in Franklin County, WA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Franklin County, WA.
The median household in Franklin County earns $86,714 a year, 12% below the Washington median of $98,141. About 13% of residents live below the federal poverty line, and 29.0% of households rent their home.
What you need for a payday loan in Franklin County
Lenders that serve Franklin 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 Franklin County
What Franklin County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Franklin 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 Franklin County
Banks with branches in Franklin County
10 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Columbia Bank | 2 | 1204 N 20th Ave, Pasco 99301 |
| Glacier Bank | 2 | 9715 Sandifur Pkwy, Pasco 99301 |
| Banner Bank | 1 | 3945 W Court St, Pasco 99301 |
| U.S. Bank National Association | 1 | 215 N 10th Ave, Pasco 99301 |
| JPMorgan Chase Bank, National Association | 1 | 5210 Road 68 Ste A, Pasco 99301 |
| BMO Bank National Association | 1 | 3525 W Court St, Pasco 99301 |
| Yakima Federal Savings and Loan Association | 1 | 3604 W Court St, Pasco 99301 |
| Bank of Eastern Oregon | 1 | 5205 Road 68, Pasco 99301 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Franklin County
11 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Gesa | 2202 W Sylvester St, Pasco 99301 |
| Spokane Teachers | 5677 Rd 68, Pasco 99301 |
| Hapo Community | 2701 N 20Th Ave, Pasco 99301 |
| Numerica | 4845 Broadmoor Blvd, Pasco 99301 |
| Self-Help | 2735 W Court St, Pasco 99301 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Franklin County
All Washington counties and cities
Frequently asked questions
Are payday loans legal in Franklin County?
Franklin 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 Franklin County?
Washington has no car-title-loan law.
Where can I get a small loan in Franklin County?
Options include 10 bank and 11 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 Franklin County?
Fill out our short online form from anywhere in Franklin 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 Franklin County with bad credit?
Yes, many lenders in our network work with Franklin 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 a loan in Franklin 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. Franklin County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Franklin County, WA?
You can apply at banks, credit unions and lenders in Franklin 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 Franklin County?
Yes. When an unexpected bill comes up, Franklin 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.