- Payday loans in Mesa 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 Pasco, about 22 miles away.
Mesa at a glance
| Mesa | |
|---|---|
| Population (2024 Census estimate) | 388 |
| Change since 2020 | +0.5% (holding steady) |
| County | Franklin County |
| Size rank among 262 Washington places we cover | 246th |
| Nearest larger city | Pasco (about 22 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Other towns within 25 miles | 4 (about 160,168 residents) |
| Typical payday APR statewide (CRL 2023) | 391% |
There is no separate Mesa payday law: Washington rules apply here, and any lender serving Mesa residents, online or in person, needs a license from the Washington Department of Financial Institutions.
Credit unions near Mesa
NCUA data (June 2026) shows no credit union headquartered in Mesa or Franklin County. Many credit unions have branches in other towns or accept members online. Use the NCUA’s Credit Union Locator to find one near you.
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 Mesa
In short, Washington rules that cover Mesa 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 Mesa
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 Franklin County before you borrow
Before a payday loan, Mesa residents can usually find something cheaper:
- Local assistance through 211 covering Franklin 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 Mesa
The nearest larger city is Pasco, about 22 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 Mesa?
Yes. Payday loans are legal in Mesa under Washington state law, and lenders must be licensed by the Washington Department of Financial Institutions.
How much does a payday loan cost in Mesa?
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 Mesa?
NCUA data shows no credit union headquartered in Mesa or its county. Use the NCUA credit union locator to find branches and online credit unions.
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