Newcastle, WA · West · Allowed
Payday loans in Newcastle
Newcastle 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 Newcastle
11,567 residents · King County Median household income is $111,967 — above the Washington median of $67,482.
| Nearest storefronts | Town | Phone |
|---|---|---|
| Lendmark Financial Services | Renton 5 mi | (425) 251-3212 |
| OneMain Financial | Renton 5 mi | (425) 251-8207 |
| Moneytree | Bellevue 5 mi | (425) 562-3300 |
| OneMain Financial | Bellevue 5 mi | (425) 747-2362 |
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 Newcastle
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 Newcastle 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 Newcastle
Are payday loans legal in Newcastle, WA?
Yes. Storefront payday lending is permitted across Washington, and Newcastle 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 Newcastle?
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 Newcastle?
Our 2022-02-20 directory snapshot lists no storefront lenders in Newcastle — the closest listed locations are in Renton, Bellevue.
Who regulates lenders in Newcastle?
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.