- Payday loans in Everett follow Washington law (RCW 31.45 (Check Cashers and Sellers)).
- Borrowing $300 at the state maximum costs $45 (15% fee).
- 5 credit unions are headquartered in Everett; ask about small-dollar loans before borrowing.
Everett at a glance
| Everett | |
|---|---|
| Population (2024 Census estimate) | 113,011 |
| Change since 2020 | +1.9% (growing) |
| County | Snohomish County |
| Size rank among 262 Washington places we cover | 7th |
| Share of Washington’s population | 1.4% |
| Nearest larger city | Seattle (about 25 miles) |
| Credit unions headquartered in town (NCUA) | 5, 2 federal |
| Credit unions headquartered in Snohomish County | 7 |
| Other towns within 25 miles | 29 (about 718,130 residents) |
| Typical payday APR statewide (CRL 2023) | 391% |
Payday lending in Everett follows Washington state law. Lenders that serve Everett, in a store or online, must be licensed by the Washington Department of Financial Institutions.
Credit unions in Everett
These credit unions have their main office in Everett, according to NCUA call report data (June 2026):
- Nordstrom Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
- Community Healthcare Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
- Northwest Plus Credit Union (state charter)
- Mill Town Credit Union (state charter)
- Snocope 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 Everett
| 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 Everett
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 Snohomish County before you borrow
- Call or text 211 for help with rent, utilities and food in Snohomish 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 Everett
- Lake Stevens · 5 mi
- Snohomish · 5 mi
- Mukilteo · 6 mi
- Mill Creek · 7 mi
- Marysville · 8 mi
- Lynnwood · 11 mi
The nearest larger city is Seattle, about 25 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 Everett?
Yes. Payday loans are legal in Everett under Washington state law, and lenders must be licensed by the Washington Department of Financial Institutions.
How much does a payday loan cost in Everett?
At Washington’s maximum fee, borrowing $300 costs $45 (15% fee). The typical statewide APR was 391% in 2023.
Are there credit unions in Everett?
Yes. NCUA data lists 5 credit unions with a main office in Everett, including Nordstrom Federal Credit Union and Community Healthcare Federal Credit Union. Federal credit unions can offer payday alternative loans capped at 28% APR.
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