- Payday loans in Naches 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 Yakima, about 12 miles away.
Naches at a glance
| Naches | |
|---|---|
| Population (2024 Census estimate) | 1,090 |
| Change since 2020 | +0.9% (holding steady) |
| County | Yakima County |
| Size rank among 262 Washington places we cover | 201st |
| Nearest larger city | Yakima (about 12 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Yakima County | 1 |
| Other towns within 25 miles | 9 (about 146,535 residents) |
| Typical payday APR statewide (CRL 2023) | 391% |
There is no separate Naches payday law: Washington rules apply here, and any lender serving Naches residents, online or in person, needs a license from the Washington Department of Financial Institutions.
Credit unions near Naches
No credit union has its main office in Naches, but these are based elsewhere in Yakima County (NCUA, June 2026):
- Solarity Credit Union in Yakima (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 Naches
In short, Washington rules that cover Naches 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 Naches
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 Yakima County before you borrow
Before a payday loan, Naches residents can usually find something cheaper:
- Local assistance through 211 covering Yakima 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 Naches
The nearest larger city is Yakima, about 12 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 Naches?
Yes. Payday loans are legal in Naches under Washington state law, and lenders must be licensed by the Washington Department of Financial Institutions.
How much does a payday loan cost in Naches?
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 Naches?
No credit union is headquartered in Naches, but Solarity Credit Union is based in Yakima, also in Yakima 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