Loans in Jefferson County, WA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Jefferson County, WA.
The median household in Jefferson County earns $74,048 a year, 25% below the Washington median of $98,141. About 11% of residents live below the federal poverty line, and 21.0% of households rent their home.
What you need for a payday loan in Jefferson County
Lenders that serve Jefferson 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 Jefferson County
What Jefferson County borrowers use it for
keep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Need money nowthe fastest options online
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Jefferson 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 Jefferson County
Banks with branches in Jefferson County
9 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| 1st Security Bank of Washington | 2 | 734 Water St, Port Townsend 98368 |
| Heritage Bank | 2 | 2313 E Sims Way, Port Townsend 98368 |
| U.S. Bank National Association | 1 | 1239 Water St, Port Townsend 98368 |
| Sound Community Bank | 1 | 9500 Oak Bay Rd, Port Ludlow 98365 |
| JPMorgan Chase Bank, National Association | 1 | 419 Kearney St, Port Townsend 98368 |
| First Fed Bank | 1 | 1321 W Sims Way, Port Townsend 98368 |
| Wells Fargo Bank, National Association | 1 | 2101 Washington St, Port Townsend 98368 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Jefferson County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Peninsula Community | 1250 W Sims Way, Port Townsend 98368 |
| Kitsap | 1165 Landes Ct, Port Townsend 98368 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Jefferson County
All Washington counties and cities
Frequently asked questions
Are payday loans legal in Jefferson County?
Jefferson 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 Jefferson County?
Washington has no car-title-loan law.
Where can I get a small loan in Jefferson County?
Options include 9 bank and 2 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 Jefferson County?
Fill out our short online form from anywhere in Jefferson 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 apply for a loan online in Jefferson County?
Yes. You don't need to visit a branch or storefront anywhere in Jefferson 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 Jefferson County?
Yes. When an unexpected bill comes up, Jefferson 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 Jefferson County, WA?
You can apply at banks, credit unions and lenders in Jefferson 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 Jefferson County with bad credit?
Yes, many lenders in our network work with Jefferson 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.