Payday loans in Yakima, WA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Yakima, WA.
The median household in Yakima earns $62,815 a year, 36% below the Washington median of $98,141. About 17% of residents live below the federal poverty line, and 46.2% of households rent their home. When an unexpected bill hits before payday, Yakima residents can request $100 to $1,000 online in minutes.
Washington law that applies in Yakima
| 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 Yakima
Here's what to have on hand before you start your payday loan request in Yakima:
- 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
What Yakima borrowers use it for
cover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a payday loan in Yakima
- 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 Yakima
24 FDIC-insured bank branches from 13 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Banner Bank | 4 | 502 W Yakima Ave, Yakima 98902 |
| U.S. Bank National Association | 3 | 404 W Yakima Ave, Yakima 98902 |
| Yakima Federal Savings and Loan Association | 3 | 118 E Yakima Ave, Yakima 98901 |
| KeyBank National Association | 2 | 102 E Yakima Ave, Yakima 98901 |
| Wells Fargo Bank, National Association | 2 | 101 E Yakima Ave, Yakima 98901 |
| JPMorgan Chase Bank, National Association | 2 | 211 E Yakima Ave, Yakima 98901 |
| Heritage Bank | 2 | 2205 S 1st St, Yakima 98903 |
| BMO Bank National Association | 1 | 522 E Yakima Ave, Yakima 98901 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Yakima
12 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Idaho Central | 1209 N 16Th Ave, Yakima 98902 |
| 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 | 1112 E Nob Hill Blvd, Yakima 98901 |
| 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.
Nearby cities
County: Yakima County · Personal Loans in Yakima
Frequently asked questions
Can I get a payday loan in Yakima, 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 Yakima through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Yakima?
$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 Yakima?
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 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 Yakima? Our form takes about 3 minutes.
What is a payday loan in Yakima?
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 Yakima 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 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.
How do payday loans work in Yakima?
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. Yakima residents can start the process online in about 3 minutes.
Where can I get a payday loan in Yakima?
You can visit a storefront in Yakima 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.
Do I need to visit a store in Yakima?
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.