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A payday loan can help cover a short-term cash shortage until your next paycheck. At Superb Cash Advance you can apply online for up to $500 with no hard credit check, and get a free loan estimate if approved.
Approval depends mainly on your income and your ability to repay. In many cases, proof of about $800 or more in monthly income is enough to get started. Before you sign, compare your options and review the APR, the total repayment, and the repayment timeline.
Washington sets the fee by law, so a $500 loan costs $75, for a total of $575 on your next payday. You will always see the exact loan terms before you sign.
You can apply online or in person. Applying online is the fastest option, and once approved you will receive a free, no-obligation estimate before deciding whether to move forward.
In Washington, payday loans are licensed and regulated as small loans under RCW 31.45. You write a check or authorize a debit for the amount you borrow plus the fee, and it is due within 45 days, usually on your next payday.
A payday loan can be up to $700, but never more than 30% of your gross monthly income, and with Superb Cash Advance you can apply for up to $500. The fee is set by state law at 15% of the first $500 and 10% of any amount above that.
Washington limits you to eight payday loans in any 12-month period, checked through a statewide database, and lenders must be licensed by the Washington Department of Financial Institutions.
| Loan amount | Term | Fee | Total to repay | APR |
|---|---|---|---|---|
| $100 | About 14 days | $15 | $115 | About 391% |
| $200 | About 14 days | $30 | $230 | About 391% |
| $300 | About 14 days | $45 | $345 | About 391% |
| $400 | About 14 days | $60 | $460 | About 391% |
| $500 | About 14 days | $75 | $575 | About 391% |
Representative example: borrow $500 for 14 days. The fee is 15% of the first $500, which is $75, so you repay $575 on your due date, about a 391% APR.
A longer term lowers the APR for the same fee, and we show your exact numbers before you sign.
Source: Washington payday loan law, RCW 31.45 ($700 or 30% of income limit, a fee of 15% on the first $500 and 10% above, a 45-day maximum term, no more than eight loans a year, no rollovers, and a free installment plan).
Payday lenders are licensed and overseen by the Washington Department of Financial Institutions. Last reviewed July 2026.
With Superb Cash Advance, $500 is the most you can borrow on a payday loan in Washington, and you can request the exact amount you need up to that limit.
Washington caps a payday loan at $700 or 30% of your monthly income and limits you to eight loans a year through a statewide database, so requesting only what you need keeps your application simple.
The fastest way to get $500 is to apply online with your ID, income, and bank details ready. Most applicants get a decision, and approved funds can arrive the same business day.*
See the requirements and how it works on our $500 cash advance with no credit check page.
Are payday loans legal in Washington?
Yes. Payday loans, which Washington calls small loans, are legal and regulated under RCW 31.45.
How many payday loans can you have in Washington?
You can take no more than eight payday loans in any 12-month period in Washington, tracked in real time through a statewide database.
You also cannot roll one loan into another, so a lender cannot give you a new loan to pay off an old one.
What is the installment plan in Washington?
Any time before your loan is due, you can ask to convert it to an installment plan at no extra fee or interest.
A loan of $400 or less is spread over at least 90 days, and a larger loan over at least 180 days.
What are you waiting for?
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2212 S Victory St #300, Houston, TX 77088 | (832) 345-9761
All lending products offered by Superb Cash Advance are contingent upon approval through our underwriting process. Applicable interest rates, loan terms, and fees are determined by the borrower's state of residence, creditworthiness, and other relevant factors. Product availability is not uniform across all states, and not every applicant will be approved or will qualify for the maximum loan amount. Full terms and conditions apply to each product. Cash advance products are meant to address immediate, short-term financial needs. They are not a replacement for responsible long-term financial management. If you are struggling with debt, we strongly suggest contacting a qualified credit counselor. When applying online, additional verification of your information may be needed prior to funding, which may extend the disbursement process by up to two business days.
Submitting a loan application through Superb Cash Advance does not affect your FICO® Score. As part of our review, we may consult a non-traditional consumer reporting agency. An application of this kind may appear on your record with that agency but will leave your FICO® Score unchanged.
USA PATRIOT ACT NOTICE: CUSTOMER IDENTIFICATION REQUIREMENTS: In accordance with Federal law, all financial institutions must obtain, verify, and keep a record of information that identifies everyone who opens an account. You will be asked to supply your name, street address, date of birth, and other identifying information when you open an account. A valid driver's license or comparable identification document may also be requested.
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* Funds may be deposited as soon as the same business day for applications approved before 11:30 AM ET. Applications approved later in the day are generally funded on the next business day.
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