Personal 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.
Washington law that applies in Moses Lake
| Rate cap | A licensee may lend at a rate of no more than 25% a year, computed by the simple interest method. |
|---|---|
| License required | Yes. |
Full rules with statute citations: Personal 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 personal loan in Moses Lake
Here's what to have on hand before you start your personal loan request in Moses Lake:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Moses Lake
What Moses Lake borrowers use it for
cover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Need money nowthe fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
How to get a personal loan in Moses Lake
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms 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 · Payday Loans in Moses Lake
Frequently asked questions
Can I get a personal loan with bad credit in Moses Lake?
Possibly. Lenders in our network consider applicants with fair and bad credit across Washington, including Moses Lake. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Moses Lake, WA?
25% simple annual interest cap plus up to 4% origination fee (Consumer Loan Act).
How fast can I get a personal loan in Moses Lake?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
How long does it take to get a personal loan in Moses Lake?
With online lenders, the process is usually fast. Our form takes about 3 minutes, many lenders make a decision within minutes, and approved funds are often deposited by the next business day. Some lenders may ask for documents such as pay stubs, which can add a little time. Having your information ready before you start helps you get money sooner in Moses Lake.
Can I get an emergency loan with bad credit in Moses Lake?
Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. Moses Lake residents can see if they qualify in about 3 minutes.
What credit score do I need for a personal loan?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Moses Lake with our free 3-minute form.
How do I apply for a personal loan with bad credit in Moses Lake?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
How do installment loans work in Moses Lake?
You apply, the lender reviews your income and credit profile, and if you're approved you receive a lump sum deposited into your bank account. You then repay it in equal scheduled payments over an agreed term, with interest built in. Your agreement shows each payment amount and date before you sign. Moses Lake residents can see installment loan offers with our free 3-minute form.
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.