- Payday loans in Ritzville 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 Moses Lake, about 42 miles away.
Ritzville at a glance
| Ritzville | |
|---|---|
| Population (2024 Census estimate) | 1,709 |
| Change since 2020 | -2% (shrinking) |
| County | Adams County |
| Size rank among 262 Washington places we cover | 178th |
| Nearest larger city | Moses Lake (about 42 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Other towns within 25 miles | 3 (about 1,973 residents) |
| Typical payday APR statewide (CRL 2023) | 391% |
There is no separate Ritzville payday law: Washington rules apply here, and any lender serving Ritzville residents, online or in person, needs a license from the Washington Department of Financial Institutions.
Credit unions near Ritzville
NCUA data (June 2026) shows no credit union headquartered in Ritzville or Adams 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.
Payday loan rules that apply in Ritzville
In short, Washington rules that cover Ritzville 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 Ritzville
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 Adams County before you borrow
Before a payday loan, Ritzville residents can usually find something cheaper:
- Local assistance through 211 covering Adams 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 Ritzville
The nearest larger city is Moses Lake, about 42 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 Ritzville?
Yes. Payday loans are legal in Ritzville under Washington state law, and lenders must be licensed by the Washington Department of Financial Institutions.
How much does a payday loan cost in Ritzville?
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 Ritzville?
NCUA data shows no credit union headquartered in Ritzville 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