Port Orchard, WA · West · Allowed
Payday loans in Port Orchard
Port Orchard 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 Port Orchard
13,945 residents · Kitsap County Median household income is $62,587 — below the Washington median of $67,482.
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 Port Orchard
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 Port Orchard 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 Port Orchard
Are payday loans legal in Port Orchard, WA?
Yes. Storefront payday lending is permitted across Washington, and Port Orchard 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 Port Orchard?
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 Port Orchard?
Our 2022-02-20 directory snapshot lists no storefront lenders in Port Orchard. Nearby towns may have locations — check the state page for the full list.
Who regulates lenders in Port Orchard?
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.