Payday loans in Kent, WA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Kent, WA.
The median household in Kent earns $92,302 a year, 6% below the Washington median of $98,141. About 11% of residents live below the federal poverty line, and 42.8% of households rent their home. When an unexpected bill hits before payday, Kent residents can request $100 to $1,000 online in minutes.
Washington law that applies in Kent
| 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 Kent
Lenders that serve Kent typically ask for the following:
- 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 Kent
What Kent borrowers use it for
keep getting to work while the shop fixes it
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Loans for your situation
How to get a payday loan in Kent
- 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 Kent
20 FDIC-insured bank branches from 12 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Bank of America, National Association | 3 | 311 4th Ave N, Kent 98032 |
| KeyBank National Association | 3 | 27205 172nd Ave Se, Kent 98042 |
| JPMorgan Chase Bank, National Association | 3 | 23630 104th Ave Se, Kent 98031 |
| Wells Fargo Bank, National Association | 2 | 204 W Meeker St, Kent 98032 |
| U.S. Bank National Association | 2 | 305 4th Ave N, Kent 98032 |
| WaFd Bank | 1 | 25812 104th Ave Se, Kent 98030 |
| Columbia Bank | 1 | 504 West Meeker Street, Kent 98032 |
| Cathay Bank | 1 | 18230 E Valley Hwy, Kent 98032 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Kent
9 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Boeing Employees | 321 Ramsay Way, Kent 98032 |
| Global | 207 W Kent Station St Ste 106, Kent 98032 |
| Gesa | 20540 108Th Ave Se, Kent 98031 |
| Nuvision | 19802 62Nd Ave S, Kent 98032 |
| Sound | 10914 Se Kent Kangley Rd, Kent 98030 |
| Harborstone | 207 W Kent Station St, Kent 98032 |
| Cascade | 18020 80Th Ave S, Kent 98032 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: King County · Personal Loans in Kent
Frequently asked questions
Can I get a payday loan in Kent, 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 Kent through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Kent?
$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 Kent?
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 much does a payday loan cost in Kent?
Total interest and fees may not exceed 15% of the first $500 of principal and 10% of any principal above $500. Your lender shows the exact fee, total amount to repay, due date and APR before you sign, so you know the full cost upfront. There's no charge to use our form, and you're never obligated to accept an offer. Compare what lenders offer Kent borrowers in about 3 minutes.
Is a payday loan secured or unsecured?
A payday loan is an unsecured loan. You don't put up a car, home or other property as collateral. Instead, lenders base their decision mainly on your income and checking account, and repayment is usually scheduled from that account on your due date. That keeps the process quick, since there's nothing to appraise. Kent residents can see if they qualify in about 3 minutes.
How do I get a payday loan in Kent, 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 Kent borrowers can finish the form 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. Kent residents can request a payday advance online through our network in about 3 minutes.
Do payday loans show up on your credit report?
Many payday lenders do not report regular, on-time payments to the three major credit bureaus, so the loan often doesn't appear on a standard credit report. Some lenders and specialty bureaus do track short-term loans, and an unpaid balance sent to collections can be reported. Your lender explains its reporting policy in the loan agreement. Ready to compare offers in Kent? Our form takes about 3 minutes.
Do I need to visit a store in Kent?
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.