- Payday loans in Kirkland follow Washington law (RCW 31.45 (Check Cashers and Sellers)).
- Borrowing $300 at the state maximum costs $45 (15% fee).
- The nearest larger city is Bellevue, about 7 miles away.
Kirkland at a glance
| Kirkland | |
|---|---|
| Population (2024 Census estimate) | 95,499 |
| Change since 2020 | +3% (growing) |
| County | King County |
| Size rank among 262 Washington places we cover | 13th |
| Share of Washington’s population | 1.2% |
| Nearest larger city | Bellevue (about 7 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in King County | 11 |
| Other towns within 25 miles | 45 (about 2,221,116 residents) |
| Typical payday APR statewide (CRL 2023) | 391% |
There is no separate Kirkland payday law: Washington rules apply here, and any lender serving Kirkland residents, online or in person, needs a license from the Washington Department of Financial Institutions.
Credit unions near Kirkland
No credit union has its main office in Kirkland, but these are based elsewhere in King County (NCUA, June 2026):
- Cascade Federal Credit Union in Kent (federal charter — may offer payday alternative loans (PALs))
- Alaska Air Group Federal Credit Union in Seatac (federal charter — may offer payday alternative loans (PALs))
- Waterfront Federal Credit Union in Seattle (federal charter — may offer payday alternative loans (PALs))
- Boeing Employees Credit Union in Tukwila (state charter)
- Salal Credit Union in Seattle (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 Kirkland
In short, Washington rules that cover Kirkland include: 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. See the full Washington payday loan rules.
What a $300 loan costs in Kirkland
The Center for Responsible Lending put the typical APR on a $400 payday loan in Washington at 391% (June 2023). For $300 at the state maximum, expect $45 (15% fee). Check any offer with our payday loan calculator.
Other help in King County before you borrow
Before a payday loan, Kirkland residents can usually find something cheaper:
- Local assistance through 211 covering King County.
- A credit union payday alternative loan (max 28% APR). See PALs explained.
- Your bank’s small-dollar loan, if offered (compare banks).
- A cash advance app for $20–$500 (apps compared).
Towns near Kirkland
- Yarrow Point · 4 mi
- Hunts Point · 4 mi
- Kenmore · 4 mi
- Redmond · 4 mi
- Clyde Hill · 5 mi
- Woodinville · 5 mi
The nearest larger city is Bellevue, about 7 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 Kirkland?
Yes. Payday loans are legal in Kirkland under Washington state law, and lenders must be licensed by the Washington Department of Financial Institutions.
How much does a payday loan cost in Kirkland?
At Washington’s maximum fee, borrowing $300 costs $45 (15% fee). The typical statewide APR was 391% in 2023.
Where is the nearest credit union to Kirkland?
No credit union is headquartered in Kirkland, but Cascade Federal Credit Union is based in Kent, also in King County.
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