Everett, WA · West · Allowed
Payday loans in Everett
Everett 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 Everett
109,043 residents · Snohomish County Median household income is $49,578 — below the Washington median of $67,482.
3 storefront locations of 3 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| OneMain Financial Installment Loans | 221 SE Everett Mall Way Ste M-4, 98208 | (425) 353-8811 | Mon 9:00 AM - 5:30 PM · hours vary |
| Paramount Enterprises Debt Relief Services, Legal Services, Installment Loans | Everett, 98208 | (425) 876-5699 | Hours not listed |
| Shaun Whiteman Installment Loans | 2930 Wetmore Ave Ste A Metropolitan Mortgage Group, 98201 | (425) 250-4815 | Hours not listed |
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 Everett
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 Everett 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 Everett
Are payday loans legal in Everett, WA?
Yes. Storefront payday lending is permitted across Washington, and Everett 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 Everett?
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 Everett?
3 storefronts are listed in Everett in our 2022-02-20 directory snapshot (3 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Everett?
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.