Washington, PA · Northeast · Not permitted
Payday loans in Washington
Washington is governed by Pennsylvania's statewide lending law — cities don't set their own loan rules. Payday lending is not permitted in Pennsylvania. Any company offering two-week, high-fee loans here is operating outside state law — the state regulator is the right place to report it.
No license exists for this product in this state, so any lender offering it deserves a report.
Lending storefronts in Washington
83,122 residents · Armstrong County/Berks County/Butler County/Cambria County/Clarion County/Dauphin County/Erie County/Fayette County/Franklin County/Greene County/Indiana County/Jefferson County/Lawrence County/Lehigh County/Lycoming County/Northampton County/Northumberland County/Schuylkill County/Snyder County/Washington County/Westmoreland County/Wyoming County/York County Median household income is $57,051 — below the Pennsylvania median of $63,966.
1 storefront location of 1 company 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 |
|---|---|---|---|
| Lendmark Financial Services Debt Relief Services, Auto Loan Providers, Installment Loans | 12A Old Mill Blvd, 15301 | (724) 350-8685 | Mon–Fri 8:30 AM - 5:30 PM · Sat–Sun Closed |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Pennsylvania page before visiting. Spot an error? Report it.
The online route in Washington
The Pennsylvania ban covers every lender serving Washington residents, online or off. Sites that still advertise high-fee short-term loans here route through partner banks or tribal charters outside state licensing — treat them accordingly.
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 Pennsylvania regulator.
The rules behind the numbers
Payday loans are illegal under Pennsylvania law, which strictly limits interest rates on consumer loans.
Statute: 7 P.S. § 6201 et seq. (Consumer Discount Company Act)
Regulator: Pennsylvania Department of Banking and Securities · www.dobs.pa.gov
Questions people ask in Washington
Are payday loans legal in Washington, PA?
No. Payday loans are illegal under Pennsylvania law, which strictly limits interest rates on consumer loans. The ban applies to Washington like every other city in the state — any store or site offering two-week, high-fee loans here is operating outside the law.
Where can I borrow legally in Washington?
Federal credit-union PALs (28% APR ceiling), installment lenders priced under the state cap, employer advances, and local assistance programs. Each costs a fraction of payday pricing.
A storefront in Washington offered me a payday loan. Is that legal?
No. The state ban covers every lender making loans to Pennsylvania residents, wherever the company is based. Save the contract, the website and the payment details — they are evidence.
Who do I report an illegal lender to in Washington?
Complaints about a lender go to the Pennsylvania Department of Banking and Securities (www.dobs.pa.gov) — keep the loan agreement and every fee disclosure you were given.