Loans in Grant County, WA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Grant County, WA.
The median household in Grant County earns $73,267 a year, 25% below the Washington median of $98,141. About 16% of residents live below the federal poverty line, and 33.7% of households rent their home.
What you need for a payday loan in Grant County
Here's what to have on hand before you start your payday loan request in Grant 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 Grant County
What Grant County borrowers use it for
the fastest options online
Car repairskeep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Grant 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 Grant County
Banks with branches in Grant County
21 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| U.S. Bank National Association | 4 | 121 Basin St Nw, Ephrata 98823 |
| Washington Trust Bank | 3 | 402 S Ash St, Moses Lake 98837 |
| Glacier Bank | 3 | 608 Midway Ave, Grand Coulee 99133 |
| Banner Bank | 2 | 447 Basin St Sw, Ephrata 98823 |
| WaFd Bank | 2 | 103 E 3rd Ave, Moses Lake 98837 |
| KeyBank National Association | 2 | 314 E 3rd Ave, Moses Lake 98837 |
| JPMorgan Chase Bank, National Association | 2 | 109 W Division Ave, Ephrata 98823 |
| Columbia Bank | 2 | 101 E 4th Ave, Moses Lake 98837 |
| First Interstate Bank | 1 | 66 Basin St Sw, Ephrata 98823 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Grant County
8 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Gesa | 721 S Pioneer Way, Moses Lake 98837 |
| Spokane Teachers | 309 W Main St, Coulee City 99115 |
| Horizon | 260 C St Sw, Ephrata 98823 |
| Solarity | 411 E 5Th Ave, Moses Lake 98837 |
| Granco | 217 Alder St Sw, Ephrata 98823 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Grant County
All Washington counties and cities
Frequently asked questions
Are payday loans legal in Grant County?
Grant 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 Grant County?
Washington has no car-title-loan law.
Where can I get a small loan in Grant County?
Options include 21 bank and 8 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 Grant County?
Fill out our short online form from anywhere in Grant 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 Grant 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. Grant County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Grant County?
Yes. You don't need to visit a branch or storefront anywhere in Grant 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 an emergency loan in Grant County?
Yes. When an unexpected bill comes up, Grant 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 Grant County, WA?
You can apply at banks, credit unions and lenders in Grant 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.