Personal loans in Pasco, WA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Pasco, WA.
The median household in Pasco earns $85,586 a year, 13% below the Washington median of $98,141. About 13% of residents live below the federal poverty line, and 29.1% of households rent their home.
Washington law that applies in Pasco
| 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 Pasco
Most Pasco applicants can finish in one sitting if they have these ready:
- 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 Pasco
What Pasco 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 Pasco
- 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 Pasco
10 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Columbia Bank | 2 | 1204 N 20th Ave, Pasco 99301 |
| Glacier Bank | 2 | 9715 Sandifur Pkwy, Pasco 99301 |
| Banner Bank | 1 | 3945 W Court St, Pasco 99301 |
| U.S. Bank National Association | 1 | 215 N 10th Ave, Pasco 99301 |
| JPMorgan Chase Bank, National Association | 1 | 5210 Road 68 Ste A, Pasco 99301 |
| BMO Bank National Association | 1 | 3525 W Court St, Pasco 99301 |
| Yakima Federal Savings and Loan Association | 1 | 3604 W Court St, Pasco 99301 |
| Bank of Eastern Oregon | 1 | 5205 Road 68, Pasco 99301 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Pasco
10 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Gesa | 2202 W Sylvester St, Pasco 99301 |
| Spokane Teachers | 5677 Rd 68, Pasco 99301 |
| Hapo Community | 2701 N 20Th Ave, Pasco 99301 |
| Numerica | 4845 Broadmoor Blvd, Pasco 99301 |
| Self-Help | 2735 W Court St, Pasco 99301 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Franklin County · Payday Loans in Pasco
Frequently asked questions
Can I get a personal loan with bad credit in Pasco?
Possibly. Lenders in our network consider applicants with fair and bad credit across Washington, including Pasco. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Pasco, WA?
25% simple annual interest cap plus up to 4% origination fee (Consumer Loan Act).
How fast can I get a personal loan in Pasco?
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.
Can I get an emergency loan with bad credit in Pasco?
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. Pasco 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 Pasco with our free 3-minute form.
How do installment loans work in Pasco?
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. Pasco residents can see installment loan offers with our free 3-minute form.
How can I get an emergency loan in Pasco?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
Do I need to visit a store in Pasco?
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.