Loans in Garfield County, WA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Garfield County, WA.
The median household in Garfield County earns $64,884 a year, 34% below the Washington median of $98,141. About 12% of residents live below the federal poverty line, and 23.1% of households rent their home. 12.2% of households have no home internet; our form works on any phone.
What you need for a payday loan in Garfield County
Here's what to have on hand before you start your payday loan request in Garfield 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 Garfield County
What Garfield County borrowers use it for
gifts and travel without maxing a card
Need money nowthe fastest options online
Moving costsdeposits, trucks and first-week expenses
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Garfield 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 Garfield County
Banks with branches in Garfield County
1 FDIC-insured bank branches from 1 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Bank of Eastern Oregon | 1 | 703 Main St, Pomeroy 99347 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Garfield County. The nearest counties with credit unions:
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.
Credit unions in Whitman County
7 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Washington State Employees | 1500 Ne Terrell Mall, Pullman 99164 |
| Gesa | 1500 Ne Glenn Terrell Mall, Pullman 99163 |
| Potlatch No. 1 Financial | 785 Se Fairmount Dr, Pullman 99163 |
Source: NCUA credit union branch data, June 30, 2026.
All Washington counties and cities
Frequently asked questions
Are payday loans legal in Garfield County?
Garfield 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 Garfield County?
Washington has no car-title-loan law.
Where can I get a small loan in Garfield County?
Options include 1 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 Garfield County?
Fill out our short online form from anywhere in Garfield 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 Garfield County with bad credit?
Yes, many lenders in our network work with Garfield 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 Garfield County?
Yes. When an unexpected bill comes up, Garfield 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 Garfield County, WA?
You can apply at banks, credit unions and lenders in Garfield 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 Garfield 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. Garfield County residents can start any time, and it takes about 3 minutes.