Washington combines an income-based amount limit, tiered fee, rolling 12-month loan-count limit and installment-plan right. All four checks appear before a repeat-loan option.
STATE PRODUCT DISCLOSURE
Washington Product Disclosures
MVP Cash Advance publishes only the state/product role supported by current operating and legal records. The agreement presented for a specific transaction identifies the responsible legal provider, amount, charges, payment dates and rights. This disclosure does not create an approval or replace the agreement.
Licensed payday lending
Washington payday availability appears only when the current licensed product/provider role and statewide database requirements support it.
Washington State Department of Financial Institutions (DFI)
August 22, 2026 • Natalie Randrup
State limits and product facts
| Topic | Current disclosure |
|---|---|
| Maximum amount | The lesser of $700 or 30% of gross monthly income. |
| Maximum term | 45 days, subject to the no-additional-fee extension rules described by Washington law. |
| Maximum fee | 15% on the first $500 and 10% on the amount above $500. |
| Annual use | No more than eight payday loans in any 12-month period. |
| Database | Every loan is reported to the statewide database. |
| Installment plan | A borrower can request an installment plan before default without an additional plan fee; Washington guidance describes repayment periods of 90–180 days depending on the original loan amount. |
More details, examples & FAQs
What this means before you continue
The state checker returns: maximum by income, tiered fee, rolling 12-month loan count and installment-plan status—before it displays an amount button.
Repayment and consumer protections
- Eligibility checks include outstanding loans, an active installment plan, the eight-loan annual limit and default status.
- The page shows the statutory amount calculation before the customer selects a loan amount.
- If repayment cannot be made on the due date, the statutory installment-plan right is explained before default.
- Do not charge a fee merely for entering the statutory installment plan.
MVP role and agreement boundary
MVP Cash Advance publishes only the state/product role supported by current operating and legal records. The agreement presented for a specific transaction identifies the responsible legal provider, amount, charges, payment dates and rights. This disclosure does not create an approval or replace the agreement.
Verify a license or file a complaint
Washington State Department of Financial Institutions (DFI): View source →
Important limitations
- This disclosure explains state-level rules and does not replace the written agreement for a specific transaction.
- Product availability, rates, fees, amounts and funding timing depend on the current product, state rules and completed review.
- MVP publishes licensing or registration identifiers only when they are current and verified.
- No approval, amount, rate or funding time is guaranteed.
View Washington Product Options
Return to /locations/washington/ for the commercial product experience and calculator.
Sources and review record
Washington RCW 31.45 — Check Cashers and Sellers: View source →
Washington DFI — 2024 Payday Lending Report: View source →
Washington DFI — Borrower Rights and Responsibilities: View source →
Last reviewed: August 22, 2026. Reviewed by Natalie Randrup — Lending Compliance & Documentation Reviewer. Re-check when law, product, privacy, messaging or location operations materially change.

Customer reviews
I was surprised by how straightforward the process felt. The application itself was simple and didn’t take forever. For an online process, it felt pretty human and not like I was just clicking into a black box.
I used the site from my phone and didn’t run into much trouble. Plaid/bank verification was the only part that slowed me down. For an online process, it felt pretty human and not like I was just clicking into a black box.
I used the site from my phone and didn’t run into much trouble. Customer service was patient when I had a question about the next step. No long story here — it did what I needed it to do.
I had an unexpected expense come up and this was simple to work through. Nothing felt hidden in the steps I went through.
I was surprised by how straightforward the process felt. From application to the next step was pretty quick.
Read the terms, not only reviews
- Check total cost and payment dates
- Confirm state availability
- Review approval and funding conditions
- Compare alternatives before borrowing
Review the cost, terms and fit before you decide
Keep your amount, state and repayment preference in view as you continue through MVP Cash Advance.
