A payday loan is a small, unsecured, high interest, short-term cash loan. In most cases, consumers write a post-dated, personal check for the advance amount, plus a fee. The lender holds the check for the loan period and then deposits it, or the customer returns with cash to reclaim the check. Quick Facts about Payday Loans. You may only borrow a total of $700 or 30% of your gross monthly income, whichever is less. Your information will be registered in a state-wide database, ensuring that all payday lenders have your most up-to-date loan information. You may only take 8 payday loans per 12-month period.
- A payday loan (also called a payday advance, salary loan, payroll loan, small dollar loan, short term, or cash advance loan) is a small, short-term unsecured loan.
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If you are unable to repay your loan before your loan is due, you may request an installment plan with no additional fees. If you currently have an installment plan you may not receive another loan. Lenders may not harass or intimidate you when collecting a loan. If you are harassed, contact DFI and file a complaint. Who Licenses and Regulates Payday Lenders in Washington. In Washington State, the Washington State Department of Financial Institutions (DFI) licenses and regulates payday lenders and the payday loan industry. You can verify the license of a payday lender in Washington State by calling 1-877-RING-DFI (746-4334) or verifying a license online.
Have a Complaint against a Washington Payday Lender. Maximum Loan Amounts & Terms in Washington. Maximum Loan Amount: $700 or 30% of your gross monthly income, whichever is less. Maximum Fee: 15% on the first $500 and 10% above $500. Internet Payday Lenders. Internet payday lenders that do business with Washington residents must be licensed by DFI and adhere to Washington's loan limits and terms.
Before doing business with an internet payday lender, make sure they are licensed by DFI. Checklist - Before Taking out a Payday Loan. Although a payday loan may be a convenient short-term solution, it is inappropriate for long-term cash needs. Verify the License of the Payday Lender. Contact the Washington State Department of Financial Institutions to verify that you are dealing with a licensed lender. Call 1-877-RING-DFI (746-4334) or verify a license online at www. dfi.
wa. gov. Consider Alternative Solutions. Ask about delaying or making payment arrangements on your non-interest bills like telephone and utility bills. Talk to a friend or family member about borrowing money.
Ask your employer for an advance on your paycheck. Comparison Shop. Comparison shop for the lowest fees and penalties. For example, some credit unions offer payday loans with lower fees. Borrow Only What You Can Afford To Pay Back. Borrow only as much as you can afford to repay with your next paycheck.
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No hassle payday loan, if approved get the cash deposited into your bank account the same day. For a cash advance until you next pay day apply now! Online Payday Loans and Cash Advance in Canada for Canadians by Uncle Payday. Get fast cash till Pay Day. Brandon Murphy. As I’ve turned to lenders and borrowed cash from them, I can give some recommendations to those who intend to try this service - choose payday loan. Fast Cash payday advance overnight. $100 to $1,000 deposited into your bank account. No faxing! Fast and Easy! All online real time. Apply now for cash tomorrow.
Avoid Borrowing from More Than One Lender. Avoid borrowing from more than one lender at a time. Know When Your Payment Is Due. Know when your payment is due and be sure to repay the loan on time and in full. Take Advantage of Organizations That Are Available To Help You with Your Financial Situation. Local organizations across Washington are available to help you with your financial situation. Many of these organizations offer help with budgeting, credit repair, debt repayment, and more.
Get fast online cash advance loans and instant payday loan advances with these no fax cash advance loan companies. You can get emergency money fast on the Internet.
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Contact your local consumer credit counseling service or asset building coalition for more information. Plan for the future by making a realistic budget to help avoid the need to borrow for emergencies and unforeseen expenses.