Bothell West, WA · West · Allowed
Payday loans in Bothell West
Bothell West is governed by Washington's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in Washington. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in Bothell West
18,243 residents · Snohomish County Median household income is $86,723 — above the Washington median of $67,482.
| Nearest storefronts | Town | Phone |
|---|---|---|
| 1st Security Bank | Mountlake Terrace 3 mi | (800) 683-0973 |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Washington page before visiting. Spot an error? Report it.
The online route in Bothell West
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in Washington follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Washington regulator.
The rules behind the numbers
A small loan is not intended to meet long-term financial needs. Washington borrowers are limited to 8 small loans per 12-month period.
In practice: borrow $300 for a standard term and the finance charge is $45 — $345 repaid at the end, about 391% APR. Every compliant lender in Bothell West has to fit inside that schedule.
Statute: RCW 31.45.010 et seq.
Regulator: Washington State Department of Financial Institutions · dfi.wa.gov
Questions people ask in Bothell West
Are payday loans legal in Bothell West, WA?
Yes. Storefront payday lending is permitted across Washington, and Bothell West runs under the same state rules: maximum loan $700, fees capped at 15% on first $500 ($15 per $100), 10% on amount over $500. A store charging above the cap is operating illegally.
How much would a $300 loan cost me in Bothell West?
The same as anywhere in Washington: state law sets the schedule. On a typical $300 loan the finance charge is about $45 — $345 repaid at the end of the standard term.
Which lenders have stores in Bothell West?
Our 2022-02-20 directory snapshot lists no storefront lenders in Bothell West — the closest listed locations are in Mountlake Terrace.
Who regulates lenders in Bothell West?
Complaints about a lender go to the Washington State Department of Financial Institutions (dfi.wa.gov) — keep the loan agreement and every fee disclosure you were given.