Washington Rates and Terms

Washington Payday Loan Terms

Cash Central wants to help you get the funds you need when you need them. Washington payday loans with Cash Central put a cash deposit directly into your checking account. In general, the due date of your loan is tied to your next pay date. When your loan is due, we automatically access your checking account via an authorized electronic withdrawal, or, if you have provided it, the debit card associated with your checking account. For alternative repayment options, please contact us.

Representative Example of Payday Loan Fees:

A 18-day payday loan of $500.00 has an Annual Percentage Rate of 304.17% and a finance charge of $75.00.

To view additional examples of payday loan fees, select a loan amount and duration from the drop-down menus below. Your results will be shown below once you select a loan amount, duration, and click the ‘Submit’ button.

Loan Amount:

Loan Duration (Days):

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day Payday Loan of has an Annual Percentage Rate of %. Finance Charge: .

This is only for illustrative purposes and provides an example of a typical payday loan we offer to qualified applicants. If approved, the specific rates and terms of your loan agreement will depend on your qualifications.

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If you have questions about your rights and responsibilities when taking out a payday loan, please contact us at 1-800-460-4305. If we are unable to answer your questions please feel free to contact the Department of Financial Institutions at 1-877-746-4334, or 360-902-8700, or by mail to Department of Financial Institutions at 150 Israel Road S.W., Tumwater, Washington 98501.

A single payday loan is typically two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday loans are not recommended as long-term financial solutions.

How your due date is determined:

The term of these payday loans is 7-45 days. The system will set your loan due date to coincide with your next payday, unless your next payday is less than 7 days away. If you need a different due date, please call 1-800-460-4305 for assistance. Whenever possible, we suggest making your loan due date on your next payday.

Repayment Options:

When your loan is due we will automatically withdraw the total amount due from your checking account via an authorized electronic withdrawal or, if you’ve provided it, the debit card associated with your checking account. If you need an alternative method of payment, please call 1-800-460-4305. Please remember that if you cannot repay your loan in full on its due date, you should contact us one banking day before your loan is due. Refinances are not allowed in Washington.

You have the right to enter into an installment plan if you are unable to pay your small loan when it is due. If you are unable to pay your loan when it is due, you may convert your loan to an installment plan with us by notifying us on or before the loan's due date. If your loan amount is $400 or less, you may enter into an installment plan that allows you to pay off your loan in substantially equal payments over 90 days. If your loan amount is more than $400, you may enter into an installment plan that allows you to pay off your loan in substantially equal payments over 180 days. An installment plan will allow you to pay all that you owe without having to pay any additional fees, interest charges or other charges.

For more information on repayment options such as courtesy moves, refinances, and extended or variable payment plans, please contact us at 1-800-460-4305, or visit our FAQ page.

ACH/EFT Authorization:

Your online agreement will be governed by the laws and regulations of the state of Washington. If your authorized ACH debit is returned for any reason you agree to the following:

• You are authorizing us to initiate electronic debits or drafts to your account in the amount up to, or less than the amount owed, until the amount owed is paid in full. Your authorization shall remain in effect until we have received written notice of its termination. We must also have had a reasonable opportunity to act on this authorization.

If you have questions or concerns regarding your Cash Central/CCF loan, please contact us by calling 1-800-460-4305 or by sending us an email at customerservice@cashcentral.com.

Your right to rescind this loan:

You have the right to rescind your loan by contacting us and requesting a withdrawal of the loan amount funded by the close of business on our next banking day following the date of this loan. We may not charge you for canceling the loan and the ACH authorization becomes void if you rescind the loan.

Loan Products: Subject to state regulations, eligibility, credit check, underwriting & approval, and meet state database eligibility, where required based on type of lending product requested. All products are not available at all locations. Rates, terms and conditions apply. See associate for details. Lending decisions and funding times subject to system limitations. Some applications may require additional verification, which can delay the lending decision.

Customer Notice: There are a wide variety of financial products available in the marketplace, so your choice should match your financial needs. Small-dollar loans used over a long period of time can be expensive.

Alabama: Minimum age to apply in Alabama is 19. Alabama loans are provided by Insight Capital, LLC, a lender which also provides other loan products at retail locations in Alabama under business names other than Cash Central. Please call 1-800-460-4305 for details on loan products provided by Insight Capital, LLC

California payday loans are provided by CCFI Funding, LLC, a lender licensed by the California Department of Financial Protection and Innovation, pursuant to the California Deferred Deposit Transaction Law, Financial Code Section 23000 et seq.

Delaware loans are provided by CCF of Delaware, LLC, a lender licensed by the Delaware State Bank Commissioner, Delaware Licensed Lender License 023205.

Indiana consumers: Licensed by the Indiana Department of Financial Institutions as a Small Loan Lender Lic.#227.

Mississippi loans are provided by CCF of Mississippi, LLC, a lender which also provides other loan products at retail locations in Mississippi under business names other than Cash Central. Please call 1-800-460-4305 for details on other loan products provided by CCF of Mississippi, LLC.

Nevada: The use of check-cashing services, deferred deposit loan services, high-interest loan services or title loan services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

Oregon payday loans are provided by Cash and Go a lender licensed by the Oregon Department of Consumer and Business Services to make Deferred Deposit Loans, NLMS Id.# 1393382.

Texas loans are arranged by Buckeye Check Cashing of Texas, LLC, 1600056494-156525, a licensed Credit Access Business (CAB). CAB is not a lender. Loans are provided by unaffiliated third-party lenders First Financial Loan Company, LLC, or First Star Financial, LLC pursuant to the Texas Finance Code, Chapter 393. Cash Central of Texas, LLC is regulated by the Office of Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, Texas 78705-4207.

The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. You will be asked to provide your name, address, date of birth, and other information that will allow us to identify you. You may also be asked to provide documentation as proof of identification. Approval is contingent upon successfully passing this mandatory identification confirmation.

Cash Central has updated its privacy notice. For more information, see the Consumer Privacy Notice, the Online Privacy Notice and the California Consumer Privacy Notice.