- Payday loans in Ocean Shores 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 Tumwater, about 58 miles away.
Ocean Shores at a glance
| Ocean Shores | |
|---|---|
| Population (2024 Census estimate) | 7,731 |
| Change since 2020 | +14.1% (growing fast) |
| County | Grays Harbor County |
| Size rank among 262 Washington places we cover | 106th |
| Nearest larger city | Tumwater (about 58 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Grays Harbor County | 4 |
| Other towns within 25 miles | 4 (about 29,819 residents) |
| Typical payday APR statewide (CRL 2023) | 391% |
Payday lending in Ocean Shores follows Washington state law. Lenders that serve Ocean Shores, in a store or online, must be licensed by the Washington Department of Financial Institutions.
Credit unions near Ocean Shores
No credit union has its main office in Ocean Shores, but these are based elsewhere in Grays Harbor County (NCUA, June 2026):
- Utility Employees Federal Credit Union in Aberdeen (federal charter — may offer payday alternative loans (PALs))
- Longshore Federal Credit Union in Hoquiam (federal charter — may offer payday alternative loans (PALs))
- Newrizons Federal Credit Union in Hoquiam (federal charter — may offer payday alternative loans (PALs))
- Great Northwest Federal Credit Union in Aberdeen (federal charter — may offer payday alternative loans (PALs))
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.
Payday loan rules that apply in Ocean Shores
The main Washington rules for a payday loan in Ocean Shores: 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 Ocean Shores
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 Grays Harbor County before you borrow
- Call or text 211 for help with rent, utilities and food in Grays Harbor 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 Ocean Shores
The nearest larger city is Tumwater, about 58 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 Ocean Shores?
Yes. Payday loans are legal in Ocean Shores under Washington state law, and lenders must be licensed by the Washington Department of Financial Institutions.
How much does a payday loan cost in Ocean Shores?
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 Ocean Shores?
No credit union is headquartered in Ocean Shores, but Utility Employees Federal Credit Union is based in Aberdeen, also in Grays Harbor 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