Loans in Yakima County, WA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Yakima County, WA.
The median household in Yakima County earns $70,656 a year, 28% below the Washington median of $98,141. About 16% of residents live below the federal poverty line, and 38.2% of households rent their home.
What you need for a payday loan in Yakima County
Here's what to have on hand before you start your payday loan request in Yakima 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 Yakima County
What Yakima County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Yakima 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 Yakima County
Banks with branches in Yakima County
38 FDIC-insured bank branches from 13 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| U.S. Bank National Association | 6 | 404 W Yakima Ave, Yakima 98902 |
| Banner Bank | 6 | 502 W Yakima Ave, Yakima 98902 |
| KeyBank National Association | 5 | 302 W 1st St, Wapato 98951 |
| Yakima Federal Savings and Loan Association | 4 | 118 E Yakima Ave, Yakima 98901 |
| Heritage Bank | 3 | 537 W 2nd Ave, Toppenish 98948 |
| JPMorgan Chase Bank, National Association | 3 | 200 E 2nd St, Grandview 98930 |
| Wells Fargo Bank, National Association | 2 | 101 E Yakima Ave, Yakima 98901 |
| Columbia Bank | 2 | 10 N. 5th Avenue, Yakima 98902 |
| Glacier Bank | 2 | 201 E Yakima Ave, Yakima 98901 |
| Cashmere Valley Bank | 2 | 127 W Yakima Ave, Yakima 98902 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Yakima County
19 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Idaho Central | 223 W Moxee Ave, Moxee 98936 |
| Washington State Employees | 1400 Lakeside Ct Ste 101, Yakima 98902 |
| Gesa | 901 Triple Crown Way, Yakima 98908 |
| Hapo Community | 903 Seattle Slew Run, Yakima 98908 |
| Self-Help | 900 Yakima Valley Hwy, Sunnyside 98944 |
| Seattle Metropolitan | 1602 W Lincoln Ave Ste B, Yakima 98902 |
| Solarity | 110 N 5Th Ave, Yakima 98902 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Yakima County
All Washington counties and cities
Frequently asked questions
Are payday loans legal in Yakima County?
Yakima 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 Yakima County?
Washington has no car-title-loan law.
Where can I get a small loan in Yakima County?
Options include 38 bank and 19 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 Yakima County?
Fill out our short online form from anywhere in Yakima 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 Yakima County?
Yes. You don't need to visit a branch or storefront anywhere in Yakima 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 Yakima County, WA?
You can apply at banks, credit unions and lenders in Yakima 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 Yakima County with bad credit?
Yes, many lenders in our network work with Yakima 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 Yakima County?
Yes. When an unexpected bill comes up, Yakima 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.