Loans in Spokane County, WA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Spokane County, WA.
The median household in Spokane County earns $78,582 a year, 20% below the Washington median of $98,141. About 12% of residents live below the federal poverty line, and 35.5% of households rent their home.
What you need for a payday loan in Spokane County
Most Spokane 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 Spokane County
What Spokane County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Spokane 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 Spokane County
Banks with branches in Spokane County
82 FDIC-insured bank branches from 16 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Washington Trust Bank | 16 | 717 W Sprague Ave, Spokane 99201 |
| U.S. Bank National Association | 10 | 428 W Riverside Ave, Spokane 99201 |
| Banner Bank | 10 | 5 Cheney Spokane Rd, Cheney 99004 |
| First Interstate Bank | 8 | 421 W Riverside Ave, Spokane 99201 |
| JPMorgan Chase Bank, National Association | 8 | 9604 N Newport Hwy, Spokane 99218 |
| Columbia Bank | 6 | 707 W Main Ave, Spokane 99201 |
| Bank of America, National Association | 5 | 12816 E Sprague Ave, Spokane 99216 |
| Wells Fargo Bank, National Association | 4 | 6228 N Monroe St, Spokane 99205 |
| State Bank Northwest | 3 | 12902 E Sprague Ave, Spokane Valley 99216 |
| Glacier Bank | 3 | 222 N Wall St, Spokane 99201 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Spokane County
93 credit-union locations from 28 credit unions.
| Credit union | Location |
|---|---|
| Canopy | 930 N Howard St, Spokane 99201 |
| Delta Schools | 1421 North Meadowwood Ln Ste 130, Liberty Lake 99016 |
| Boeing Employees | 916 N Division St, Spokane 99202 |
| Idaho Central | 41 W Riverside Ave, Spokane 99201 |
| Global | 9227 E Montgomery Ave, Spokane Valley 99206 |
| Washington State Employees | 205 E Highway 902 Ste 205, Medical Lake 99022 |
| Gesa | 9625 N Newport Hwy, Spokane 99218 |
| Spokane Teachers | 1620 N Signal Dr, Liberty Lake 99019 |
| Numerica | 6281 N Maple St, Spokane 99205 |
| Horizon | 201 N Mullan Rd, Spokane Valley 99206 |
| Ironworkers Usa | 16610 E Euclid Ave, Spokane Valley 99216 |
| South Bay | 1421 N Meadowwood Ln Ste 130, Liberty Lake 99019 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Spokane County
All Washington counties and cities
Frequently asked questions
Are payday loans legal in Spokane County?
Spokane 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 Spokane County?
Washington has no car-title-loan law.
Where can I get a small loan in Spokane County?
Options include 82 bank and 93 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 Spokane County?
Fill out our short online form from anywhere in Spokane 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 Spokane County?
Yes. You don't need to visit a branch or storefront anywhere in Spokane 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.
Where can I get a loan in Spokane County, WA?
You can apply at banks, credit unions and lenders in Spokane 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 Spokane 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. Spokane County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Spokane County with bad credit?
Yes, many lenders in our network work with Spokane 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.