- Payday loans in St. John 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 Pullman, about 32 miles away.
St. John at a glance
| St. John | |
|---|---|
| Population (2024 Census estimate) | 590 |
| Change since 2020 | -1.2% (shrinking) |
| County | Whitman County |
| Size rank among 262 Washington places we cover | 230th |
| Nearest larger city | Pullman (about 32 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Other towns within 25 miles | 7 (about 5,273 residents) |
| Typical payday APR statewide (CRL 2023) | 391% |
Payday lending in St. John follows Washington state law. Lenders that serve St. John, in a store or online, must be licensed by the Washington Department of Financial Institutions.
Credit unions near St. John
NCUA data (June 2026) shows no credit union headquartered in St. John or Whitman 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 St. John
The main Washington rules for a payday loan in St. John: 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 St. John
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 Whitman County before you borrow
- Call or text 211 for help with rent, utilities and food in Whitman 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 St. John
The nearest larger city is Pullman, about 32 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 St. John?
Yes. Payday loans are legal in St. John under Washington state law, and lenders must be licensed by the Washington Department of Financial Institutions.
How much does a payday loan cost in St. John?
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 St. John?
NCUA data shows no credit union headquartered in St. John 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