A $700 cap (or 30% of monthly income) with fees tiered by loan size and a cap of 8 advances per year.
What a Cash Advance Costs in Washington
Washington caps a cash advance at $700 or 30% of your gross monthly income, whichever is less, with a fee of 15% on the first $500 and 10% on any amount above that.
Loan Size, Term, and Renewal Rules
Borrowers are limited to 8 advances in any rolling 12-month period, and lenders must offer a free 90-180 day installment plan on request.
| Factor | Rule |
|---|---|
| Maximum advance | $700 or 30% of monthly income |
| Fee structure | 15% (first $500), 10% (above) |
| Annual limit | 8 advances per 12 months |
Verify current rules with the Washington Department of Financial Institutions before applying with any lender — this summary is for general information only, not legal advice.
Comparing Your Options in Washington
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