- Payday loans in Union Gap 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 4 miles away.
Union Gap at a glance
| Union Gap | |
|---|---|
| Population (2024 Census estimate) | 6,582 |
| Change since 2020 | +0.4% (holding steady) |
| County | Yakima County |
| Size rank among 262 Washington places we cover | 116th |
| Nearest larger city | Yakima (about 4 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Yakima County | 1 |
| Other towns within 25 miles | 10 (about 134,172 residents) |
| Typical payday APR statewide (CRL 2023) | 391% |
There is no separate Union Gap payday law: Washington rules apply here, and any lender serving Union Gap residents, online or in person, needs a license from the Washington Department of Financial Institutions.
Credit unions near Union Gap
No credit union has its main office in Union Gap, 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 Union Gap
In short, Washington rules that cover Union Gap 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 Union Gap
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 Yakima County before you borrow
Before a payday loan, Union Gap 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 Union Gap
The nearest larger city is Yakima, about 4 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 Union Gap?
Yes. Payday loans are legal in Union Gap under Washington state law, and lenders must be licensed by the Washington Department of Financial Institutions.
How much does a payday loan cost in Union Gap?
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 Union Gap?
No credit union is headquartered in Union Gap, 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