Loans in Whitman County, WA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Whitman County, WA.
The median household in Whitman County earns $55,406 a year, 44% below the Washington median of $98,141. About 23% of residents live below the federal poverty line, and 53.2% of households rent their home.
What you need for a payday loan in Whitman County
Here's what to have on hand before you start your payday loan request in Whitman 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 Whitman County
What Whitman County borrowers use it for
deposits, trucks and first-week expenses
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Whitman 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 Whitman County
Banks with branches in Whitman County
19 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| U.S. Bank National Association | 3 | 101 N Main St, Colfax 99111 |
| State Bank Northwest | 3 | 301 W California St, Garfield 99130 |
| Columbia Bank | 2 | 201 S. Main Street, Colfax 99111 |
| Banner Bank | 2 | 147 North Broadway, Tekoa 99033 |
| Bank of Eastern Oregon | 2 | 803 N Main St, Colfax 99111 |
| First Interstate Bank | 2 | 523 S Whitman Ave, Rosalia 99170 |
| Washington Trust Bank | 2 | 670 Se Bishop Blvd, Pullman 99163 |
| Lamont Bank of St. John | 1 | 6 E Front St, Saint John 99171 |
| WaFd Bank | 1 | 405 E Main St, Pullman 99163 |
| JPMorgan Chase Bank, National Association | 1 | 205 N Grand Ave, Pullman 99163 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Whitman County
7 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Washington State Employees | 1500 Ne Terrell Mall, Pullman 99164 |
| Gesa | 1500 Ne Glenn Terrell Mall, Pullman 99163 |
| Potlatch No. 1 Financial | 785 Se Fairmount Dr, Pullman 99163 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Whitman County
All Washington counties and cities
Frequently asked questions
Are payday loans legal in Whitman County?
Whitman 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 Whitman County?
Washington has no car-title-loan law.
Where can I get a small loan in Whitman County?
Options include 19 bank and 7 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 Whitman County?
Fill out our short online form from anywhere in Whitman 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 Whitman County with bad credit?
Yes, many lenders in our network work with Whitman 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.
Can I get an emergency loan in Whitman County?
Yes. When an unexpected bill comes up, Whitman 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.
Can I apply for a loan online in Whitman County?
Yes. You don't need to visit a branch or storefront anywhere in Whitman 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 Whitman County, WA?
You can apply at banks, credit unions and lenders in Whitman 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.