Payday loans in Moses Lake, WA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Moses Lake, WA.
The median household in Moses Lake earns $74,752 a year, 24% below the Washington median of $98,141. About 16% of residents live below the federal poverty line, and 38.8% of households rent their home. When an unexpected bill hits before payday, Moses Lake residents can request $100 to $1,000 online in minutes.
Washington law that applies in Moses Lake
| 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 Moses Lake
Here's what to have on hand before you start your payday loan request in Moses Lake:
- 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 Moses Lake
What Moses Lake borrowers use it for
the fastest options online
Car repairskeep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
How to get a payday loan in Moses Lake
- 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 Moses Lake
8 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Washington Trust Bank | 1 | 402 S Ash St, Moses Lake 98837 |
| U.S. Bank National Association | 1 | 203 E 3rd Ave, Moses Lake 98837 |
| WaFd Bank | 1 | 103 E 3rd Ave, Moses Lake 98837 |
| KeyBank National Association | 1 | 314 E 3rd Ave, Moses Lake 98837 |
| Banner Bank | 1 | 322 S Division St, Moses Lake 98837 |
| JPMorgan Chase Bank, National Association | 1 | 323 S Division St, Moses Lake 98837 |
| Columbia Bank | 1 | 101 E 4th Ave, Moses Lake 98837 |
| Glacier Bank | 1 | 1442 S Pioneer Way, Moses Lake 98837 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Moses Lake
5 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Gesa | 721 S Pioneer Way, Moses Lake 98837 |
| Spokane Teachers | 1035 N Stratford Rd Unit 1, Moses Lake 98837 |
| Horizon | 1704 S Clover Dr, Moses Lake 98837 |
| Solarity | 411 E 5Th Ave, Moses Lake 98837 |
| Granco | 401 E 5Th Ave, Moses Lake 98837 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Grant County · Personal Loans in Moses Lake
Frequently asked questions
Can I get a payday loan in Moses Lake, 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 Moses Lake through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Moses Lake?
$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 Moses Lake?
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.
Do payday loans affect your credit score?
Usually only a little, if at all. Because many payday lenders don't use a traditional hard credit pull and often don't report to the major bureaus, a payday loan repaid on time typically has little effect on your score. A balance that goes unpaid and reaches collections could hurt it, so borrow an amount you can repay on your due date. Moses Lake residents can see their options with our 3-minute form.
How do payday loans work in Moses Lake?
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. Moses Lake residents can start the process online in about 3 minutes.
Do payday lenders in Moses Lake check your credit?
Most payday lenders check something, but it often isn't a traditional credit report. Many focus on income and banking history and may use alternative credit data or a soft check instead of a hard pull from the major bureaus. Each lender sets its own process and will tell you what it reviews. Submitting our form is free, and you can see if you qualify 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 Moses Lake? Our form takes 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. Moses Lake residents can see if they qualify in about 3 minutes.
Do I need to visit a store in Moses Lake?
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.