Loans in Stevens County, WA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Stevens County, WA.
The median household in Stevens County earns $69,327 a year, 29% below the Washington median of $98,141. About 12% of residents live below the federal poverty line, and 20.2% of households rent their home. 10.5% of households have no home internet; our form works on any phone.
What you need for a payday loan in Stevens County
Here's what to have on hand before you start your payday loan request in Stevens 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 Stevens County
What Stevens County borrowers use it for
cover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Stevens 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 Stevens County
Banks with branches in Stevens County
4 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| WaFd Bank | 2 | 108 N Park St, Chewelah 99109 |
| KeyBank National Association | 1 | 211 S Main St, Colville 99114 |
| JPMorgan Chase Bank, National Association | 1 | 298 S Main St, Colville 99114 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Stevens County
4 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Spokane Teachers | 111 S 2Nd St E, Chewelah 99109 |
| Horizon | 1474 N Highway, Colville 99114 |
Source: NCUA credit union branch data, June 30, 2026.
All Washington counties and cities
Frequently asked questions
Are payday loans legal in Stevens County?
Stevens 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 Stevens County?
Washington has no car-title-loan law.
Where can I get a small loan in Stevens County?
Options include 4 bank and 4 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 Stevens County?
Fill out our short online form from anywhere in Stevens 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 Stevens County with bad credit?
Yes, many lenders in our network work with Stevens 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 Stevens County, WA?
You can apply at banks, credit unions and lenders in Stevens 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 Stevens County?
Yes. You don't need to visit a branch or storefront anywhere in Stevens 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 Stevens County?
Yes. When an unexpected bill comes up, Stevens 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.