Why this is not available
Washington law does not allow title loans, so we show no request form. There is no Washington license that authorizes them. Read the law: RCW 31.04, esp. RCW 31.04.105. Regulator: Washington State Department of Financial Institutions (DFI).
Washington law does not allow title loans, so there is no request form for them. See Other options in Washington and free help below.
| Product | Status | APR cap | Amount | Term | License | Law |
|---|---|---|---|---|---|---|
| Title loans[1][2][3] | Not allowed | Not allowed | Not set by statute | Not set by statute | None. Washington has no title-lender license | RCW 31.04, esp. RCW 31.04.105 |
| Verified against the statute and regulator on September 23, 2026. Laws change; confirm with the regulator before you borrow. | ||||||
Other options in Washington
Worth checking whatever your credit: these can cost less than a high-rate loan.
- Emergency loans in Washington: allowed under Washington law; see its limits and license rules.
- Installment loans in Washington: allowed under Washington law; see its limits and license rules.
- Payday loans in Washington: allowed under Washington law; see its limits and license rules.
- Personal loans in Washington: allowed under Washington law; see its limits and license rules.
- Credit union payday alternative loans (PALs). Federal credit unions may offer small loans of up to $2,000 with terms of up to 12 months and an APR no higher than 28%, under NCUA rules (12 CFR 701.21). You usually need to be a member.
- Nonprofit credit counseling. A counselor accredited by the National Foundation for Credit Counseling can help you build a budget or a debt management plan.
- Ask your creditor for a payment plan. Utilities, hospitals and many lenders offer hardship or extended payment plans if you ask before you miss a payment.
- Local assistance. Call 211, or visit 211.org, for emergency help with rent, utilities and food in Washington.
Help in Washington
Title loans in nearby states
Sources
- Justia. law.justia.com/codes/washington/2005/title31/31.04.025.html. Retrieved September 23, 2026.
- app.leg.wa.gov. RCW 31.04, esp. RCW 31.04.105. Retrieved September 23, 2026.
- dfi.wa.gov. Washington State Department of Financial Institutions (DFI). Retrieved September 23, 2026.
Important disclosures
APRs vary by lender and state in Washington. Each lender sets its own rates and terms and must show you the APR before you sign.
- BadCreditMD is not a lender or broker and does not make loans or credit decisions. When you submit a request, a lending network partner shares it with third-party lenders, and those lenders or the partner may pay us a fee for each referral. The lenders decide whether to offer you a loan.
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- Questions about a lender licensed in Washington? Contact the Washington State Department of Financial Institutions (DFI) or file a state complaint.
- You can submit a complaint about any lender to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.