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Cash Advance loans in WASHINGTON

In each state, the loan industry laws and regulations are different. Applying for a personal loan in Washington state is not the same as in any other state. When requesting any type of loan in Washington, get to know your state regulations to avoid being taken advantage of and then shop around to find the best deal. If you take your time, you can potentially save money on interest and fees.

To jump-start, your looks for lenders that you’ll have more chances to work with. Some lenders focus on borrowers with bad credit, some like the security of excellent credit. Find lenders that are looking for someone like you. Once you’ve found potential lenders, look at the loans they offer and compare.


It’s no surprise that loans come with a price. Created to serve as a solution in though financial situations, credits can eventually roll into a new problem if you don’t make sure you have control over it. Fees are commonly included in the loan offer. However, some fees might not be disclosed straight away. Here are some types of payments that lenders may apply. If you don’t see them in your offer, go ahead and ask for clarification.

  • Application fee: This usually varies from 25$ to $50. It’s a small upfront fee that you pay before even getting the loan. Some lenders omit this fee. So if you want to save on application fees, keep on looking.
  • Origination fee: Again, some lenders don’t collect this fee—those who do, set in around 1% to 6% of the loan amount.
  • Prepayment Penalty: some lenders may charge 2 % to 5% of the loan amount in cases you decide to pay off your debt sooner than they have planned. So they kind of penalize you for not following the plan.
  • Late payment fee or missed payment fee: A little more common than other fees on this list, and more expensive too. $25 to $50 or 3% to 5% of monthly payment may be charged if there’s a delay in your refunds.
  • Returned check fee: Make sure your checks never bounce. It can cost you around 20% to 50%.
  • Payment protection insurance: 1% of the loan amount might be required to put down for insurance purposes.

Loan Borrowing Terms

Each month, you’ll get a bill with a minimum payment that you must pay. The term of a loan is the number of months that you will need to pay your loan off, assuming you pay the minimum amount each month. Most personal loans term range from 1 to 5 years, but some lenders might offer shorter or longer terms. You must know that a shorter term implies higher monthly payments; a longer term will consist of smaller monthly payments but a higher overall cost. You should aim to find the balance between affordability and the total cost that works just right for you.

Loan Amount Limits

Each borrower will qualify, and each lender will be willing to lend a different amount of money. No one wants to be stuck with too little or even too much of borrowed cash in front of a financial emergency. It’s essential to make sure you find a lender that can lend the right amount of money.

Preparing Your Loan Request

Most probably, when requesting a personal loan in Washington, you’ll need to provide some of the following information:

  • Name
  • Address
  • Date of birth
  • Proof of identity
  • Social Security number
  • Proof of Annual income
  • Verification of employment

Fully complete your loan request and provide the required documents upon submission. The more information your lender has handy, the better your chances to get the loan. Not providing enough personal details, can cause delays in the process or be the reason you get denied. When you are submitting a loan request, you better make sure you show your best side and increase your chances of qualifying. To do so, you can collect your requisite documents in advance, as well as take steps to improve your credit situation, which can make or break your ability to get a loan. You don’t usually get the chance to prepare for taking a loan, but in case you have a couple of months when you know you’ll take out a loan soon, use every chance to improve your chances.