Payday loans in Bothell, WA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Bothell, WA.
The median household in Bothell earns $140,427 a year, 43% above the Washington median of $98,141. About 5% of residents live below the federal poverty line, and 34.5% of households rent their home. When an unexpected bill hits before payday, Bothell residents can request $100 to $1,000 online in minutes.
Washington law that applies in Bothell
| Maximum loan | $700 or 30% of your gross monthly income, whichever is lower. |
|---|---|
| Fee cap | Total interest and fees may not exceed 15% of the first $500 of principal and 10% of any principal above $500. |
| Rollovers | A lender may not give you a new payday loan to pay off an old one from the same lender or its affiliate. |
| Loans at once | No more than eight small loans from all licensees in any 12-month period. |
| Payment plan | If you tell the lender you cannot repay on time, it must offer, and on request must convert your loan to, an installment plan with no added fee or interest. |
Full rules with statute citations: Payday Loans in Washington. Cities in Washington cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a payday loan in Bothell
Here's what to have on hand before you start your payday loan request in Bothell:
- 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 Bothell
What Bothell borrowers use it for
deposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Loans for your situation
How to get a payday loan in Bothell
- Pick an amount and fill out the short form (about 3 minutes).
- We share your request with lenders in our network that serve Washington.
- If a lender approves you, you'll see the fee, APR and due date before you sign.
- Funds are deposited to your bank account, often the next business day.
Estimate your cost
How much will I repay?
Washington does not set a single per-$100 fee cap for this product; check the lender's disclosure. $15 per $100 is shown as an example.
Estimate only. Your lender shows your exact cost before you sign.
Banks and credit unions in the area
Banks with branches in Bothell
9 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| JPMorgan Chase Bank, National Association | 2 | 22833 Bothell Everett Hwy, Bothell 98021 |
| WaFd Bank | 2 | 10015 Ne 183rd St, Bothell 98011 |
| U.S. Bank National Association | 1 | 23131 Bothell Everett Hwy, Bothell 98021 |
| Bank of America, National Association | 1 | 1115 228th St Se, Bothell 98021 |
| Wells Fargo Bank, National Association | 1 | 22707 Bothell Everett Hwy, Bothell 98021 |
| Banner Bank | 1 | 18206 Bothell Way Ne, Bothell 98011 |
| KeyBank National Association | 1 | 21105 Bothell Everett Hwy, Bothell 98021 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Bothell
5 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Boeing Employees | 18333 Bothell Way Ne, Bothell 98011 |
| Sound | 1926 201St Pl Se, Bothell 98012 |
| Harborstone | 19122 Beardslee Blvd Ste 205, Bothell 98011 |
| Qualstar | 24000 35Th Ave Se # 200, Bothell 98021 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: King County · Snohomish County · Personal Loans in Bothell
Frequently asked questions
Can I get a payday loan in Bothell, WA?
Payday loans ('small loans') are legal in Washington from check cashers or sellers that hold a DFI small loan endorsement under RCW 31.45. You can request one online from Bothell through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Bothell?
$700 or 30% of your gross monthly income, whichever is lower. This limit applies to the total outstanding principal of all small loans from all licensees at one time.
How fast can I get a payday loan in Bothell?
The form takes about three minutes and many lenders decide within minutes. If you're approved and sign before the lender's cutoff, funds are often deposited the next business day.
How do I get a payday loan in Bothell, WA?
Have a few basics ready: a government-issued ID, proof of regular income, an active checking account, and a working phone number and email. Then complete our secure online form. Lenders review your request, and many give a decision within minutes. If you're approved, you'll see the full terms before signing. Most Bothell borrowers can finish the form in about 3 minutes.
How do payday loans work in Bothell?
You fill out a short online request, a lender reviews your income and banking details, and if you're approved you see the amount, fee and due date before you sign. Funds are typically deposited into your checking account, often by the next business day. On your due date, repayment is usually taken from that same account. Bothell residents can start the process online in about 3 minutes.
What is a payday advance loan?
A payday advance loan is another name for a payday loan: a short-term advance on your next paycheck. You borrow a small amount and repay it, plus a fee, when you're next paid. The process is quick because lenders look mainly at your income and checking account. Bothell residents can request a payday advance online through our network in about 3 minutes.
What is a payday loan in Bothell?
A payday loan is a small, short-term loan, usually a few hundred dollars, that you repay in one payment on or around your next payday. Borrowers in Bothell can request one online from home instead of visiting a storefront. Through our free form you can be matched with lenders in our network, with amounts depending on the lender and Washington rules. See if you qualify in about 3 minutes.
Is a payday loan installment or revolving credit?
A traditional payday loan is neither. It's a single-payment loan: you borrow a set amount and repay it, plus the fee, in one payment on your due date. An installment loan spreads repayment over several scheduled payments, and revolving credit, like a credit card, lets you borrow repeatedly up to a limit. Depending on Washington rules, lenders may offer payday or installment options. Compare them in about 3 minutes.
Do I need to visit a store in Bothell?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.