- Payday loans in Bellevue follow Washington law (RCW 31.45 (Check Cashers and Sellers)).
- Borrowing $300 at the state maximum costs $45 (15% fee).
- 1 credit union is headquartered in Bellevue; ask about small-dollar loans before borrowing.
Bellevue at a glance
| Bellevue | |
|---|---|
| Population (2024 Census estimate) | 154,377 |
| Change since 2020 | +1.7% (growing) |
| County | King County |
| Size rank among 262 Washington places we cover | 5th |
| Share of Washington’s population | 1.9% |
| Nearest larger city | Seattle (about 9 miles) |
| Credit unions headquartered in town (NCUA) | 1 |
| Credit unions headquartered in King County | 11 |
| Other towns within 25 miles | 48 (about 2,210,783 residents) |
| Typical payday APR statewide (CRL 2023) | 391% |
Payday lending in Bellevue follows Washington state law. Lenders that serve Bellevue, in a store or online, must be licensed by the Washington Department of Financial Institutions.
Credit unions in Bellevue
These credit unions have their main office in Bellevue, according to NCUA call report data (June 2026):
- Puget Sound Cooperative Credit Union (state charter)
Only federal credit unions can offer payday alternative loans (PALs), capped at 28% APR; state-chartered credit unions often have their own small-loan products. Membership rules apply, and only main offices are listed here; find branches near you with the NCUA Credit Union Locator. See how PALs work.
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Payday loan rules that apply in Bellevue
| Rule | Washington |
|---|---|
| Maximum loan | $700 or 30% of your gross monthly income, whichever is less |
| Maximum fee | 15% on the first $500, 10% on amounts above $500 |
| Loans per year | No more than 8 in any 12-month period |
| Payment plan | You can ask for an installment plan with no extra fees |
What a $300 loan costs in Bellevue
At Washington’s maximum fee, borrowing $300 costs $45 (15% fee). Statewide, the typical APR on a $400 payday loan was 391% (Center for Responsible Lending, June 2023). Check any offer with our payday loan calculator.
Other help in King County before you borrow
- Call or text 211 for help with rent, utilities and food in King County.
- Ask a federal credit union about a PAL: $200–$2,000 at no more than 28% APR (how PALs work).
- Check your bank app for a small-dollar loan or early pay (bank options).
- Try a cash advance app if you have direct deposit (apps compared).
Towns near Bellevue
- Beaux Arts Village · 2 mi
- Clyde Hill · 4 mi
- Mercer Island · 4 mi
- Yarrow Point · 4 mi
- Medina · 4 mi
- Hunts Point · 5 mi
The nearest larger city is Seattle, about 9 miles away. See all 262 Washington cities.
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in Bellevue?
Yes. Payday loans are legal in Bellevue under Washington state law, and lenders must be licensed by the Washington Department of Financial Institutions.
How much does a payday loan cost in Bellevue?
At Washington’s maximum fee, borrowing $300 costs $45 (15% fee). The typical statewide APR was 391% in 2023.
Are there credit unions in Bellevue?
Yes. NCUA data lists 1 credit union with a main office in Bellevue, including Puget Sound Cooperative Credit Union.
Sources
- U.S. Census Bureau — City and town population totals, Vintage 2024
- U.S. Census Bureau — 2024 Gazetteer files (place locations)
- NCUA — Credit union call report data, June 2026 (FOICU)
- Washington DFI — Payday loans
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary