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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.

Legal product modelLicensed payday lending
Availability at MVPWashington payday availability appears only when the current licensed product/provider role and statewide database requirements support it.
RegulatorWashington State Department of Financial Institutions (DFI)
Read this before using the state product page

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.

Legal product model

Licensed payday lending

Availability at MVP

Washington payday availability appears only when the current licensed product/provider role and statewide database requirements support it.

Regulator

Washington State Department of Financial Institutions (DFI)

Last legal review

August 22, 2026 • Natalie Randrup

State limits and product facts

TopicCurrent disclosure
Maximum amountThe lesser of $700 or 30% of gross monthly income.
Maximum term45 days, subject to the no-additional-fee extension rules described by Washington law.
Maximum fee15% on the first $500 and 10% on the amount above $500.
Annual useNo more than eight payday loans in any 12-month period.
DatabaseEvery loan is reported to the statewide database.
Installment planA 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

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.

Read the terms, not only reviews

  • Check total cost and payment dates
  • Confirm state availability
  • Review approval and funding conditions
  • Compare alternatives before borrowing
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Keep your amount, state and repayment preference in view as you continue through MVP Cash Advance.

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