- Payday loans in Richland follow Washington law (RCW 31.45 (Check Cashers and Sellers)).
- Borrowing $300 at the state maximum costs $45 (15% fee).
- 2 credit unions are headquartered in Richland; ask about small-dollar loans before borrowing.
Richland at a glance
| Richland | |
|---|---|
| Population (2024 Census estimate) | 64,372 |
| Change since 2020 | +5.7% (growing fast) |
| County | Benton County |
| Size rank among 262 Washington places we cover | 21st |
| Share of Washington’s population | 0.8% |
| Nearest larger city | Kennewick (about 8 miles) |
| Credit unions headquartered in town (NCUA) | 2 |
| Credit unions headquartered in Benton County | 3 |
| Other towns within 25 miles | 6 (about 198,076 residents) |
| Typical payday APR statewide (CRL 2023) | 391% |
Payday lending in Richland follows Washington state law. Lenders that serve Richland, in a store or online, must be licensed by the Washington Department of Financial Institutions.
Credit unions in Richland
These credit unions have their main office in Richland, according to NCUA call report data (June 2026):
- Hapo Community Credit Union (state charter)
- Gesa 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.
Payday loan rules that apply in Richland
The main Washington rules for a payday loan in Richland: 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 Richland
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 Benton County before you borrow
- Call or text 211 for help with rent, utilities and food in Benton 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 Richland
The nearest larger city is Kennewick, about 8 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 Richland?
Yes. Payday loans are legal in Richland under Washington state law, and lenders must be licensed by the Washington Department of Financial Institutions.
How much does a payday loan cost in Richland?
At Washington’s maximum fee, borrowing $300 costs $45 (15% fee). The typical statewide APR was 391% in 2023.
Are there credit unions in Richland?
Yes. NCUA data lists 2 credit unions with a main office in Richland, including Hapo Community Credit Union and Gesa Credit Union.
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