Loans in Kittitas County, WA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Kittitas County, WA.
The median household in Kittitas County earns $73,804 a year, 25% below the Washington median of $98,141. About 14% of residents live below the federal poverty line, and 38.5% of households rent their home.
What you need for a payday loan in Kittitas County
Most Kittitas County applicants can finish in one sitting if they have these ready:
- 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 Kittitas County
What Kittitas County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Rent duecover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Kittitas 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 Kittitas County
Banks with branches in Kittitas County
12 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 | 2 | 500 N Pearl St, Ellensburg 98926 |
| Cashmere Valley Bank | 2 | 101 University Way, Ellensburg 98926 |
| Columbia Bank | 2 | 118 W 5th Ave, Ellensburg 98926 |
| WaFd Bank | 1 | 103 E 1st St, Cle Elum 98922 |
| BMO Bank National Association | 1 | 312 N Ruby St, Ellensburg 98926 |
| Wells Fargo Bank, National Association | 1 | 104 E 4th Ave, Ellensburg 98926 |
| Yakima Federal Savings and Loan Association | 1 | 201 E 5th Ave, Ellensburg 98926 |
| JPMorgan Chase Bank, National Association | 1 | 201 S Water St, Ellensburg 98926 |
| Glacier Bank | 1 | 205 S Main St, Ellensburg 98926 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Kittitas County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Washington State Employees | 100 N Main St, Ellensburg 98926 |
| Potlatch No. 1 Financial | 303 E Railroad St, Cle Elum 98922 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Kittitas County
All Washington counties and cities
Frequently asked questions
Are payday loans legal in Kittitas County?
Kittitas 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 Kittitas County?
Washington has no car-title-loan law.
Where can I get a small loan in Kittitas County?
Options include 12 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 Kittitas County?
Fill out our short online form from anywhere in Kittitas 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 Kittitas County with bad credit?
Yes, many lenders in our network work with Kittitas 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.
Where can I get a loan in Kittitas County, WA?
You can apply at banks, credit unions and lenders in Kittitas 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 apply for a loan online in Kittitas County?
Yes. You don't need to visit a branch or storefront anywhere in Kittitas 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 a loan in Kittitas 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. Kittitas County residents can start any time, and it takes about 3 minutes.