Payday loans in Pullman, WA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Pullman, WA.
The median household in Pullman earns $46,812 a year, 52% below the Washington median of $98,141. About 30% of residents live below the federal poverty line, and 68.0% of households rent their home. When an unexpected bill hits before payday, Pullman residents can request $100 to $1,000 online in minutes.
Washington law that applies in Pullman
| 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 Pullman
Here's what to have on hand before you start your payday loan request in Pullman:
- 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 Pullman
What Pullman borrowers use it for
handle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Loans for your situation
How to get a payday loan in Pullman
- 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 Pullman
8 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| U.S. Bank National Association | 2 | 301 E Main St, Pullman 99163 |
| Washington Trust Bank | 2 | 670 Se Bishop Blvd, Pullman 99163 |
| WaFd Bank | 1 | 405 E Main St, Pullman 99163 |
| JPMorgan Chase Bank, National Association | 1 | 205 N Grand Ave, Pullman 99163 |
| Columbia Bank | 1 | 225 N Grand Ave, Pullman 99163 |
| Banner Bank | 1 | 1550 Se Harvest Dr, Pullman 99163 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Pullman
6 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.
Nearby cities
County: Whitman County · Personal Loans in Pullman
Frequently asked questions
Can I get a payday loan in Pullman, 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 Pullman through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Pullman?
$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 Pullman?
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.
Is a payday loan the same as a cash advance?
The terms are often used interchangeably. A payday loan is sometimes called a cash advance because it advances money against your next paycheck. A credit card cash advance is different: you withdraw cash against your card's credit limit, which requires available credit on a card. If you don't have card credit to tap, a payday loan through our network is a fast option. Check your options in about 3 minutes.
Where can I get a payday loan in Pullman?
You can visit a storefront in Pullman or request a loan online without leaving home. Our free form sends one request to multiple lenders in our network, so you don't have to apply store by store. If a lender makes you an offer, you review the terms and decide whether to accept, with no obligation. It takes about 3 minutes to see if you qualify.
How much does a payday loan cost in Pullman?
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 Pullman borrowers in about 3 minutes.
How do payday loans work in Pullman?
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. Pullman residents can start the process online in about 3 minutes.
What is a payday loan in Pullman?
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 Pullman 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.
Do I need to visit a store in Pullman?
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.