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Loans for People with Poor Credit in Washington 

Get a poor credit loan in Washington state in just minutes. We have a large network of lenders ready to process your application. If you live in the Apple State and need some extra cash, apply today even if you have bad credit.

Those who don't have a credit score of 850 might be wondering, are there any loans for people with bad credit?

Getting a credit loan in Washington with bad credit is possible if you only follow a few simple steps.

Let's get started.

Find Out Your Credit Score, and What it Means

Many people in Washington know they have bad credit, but they might not know the exact source of their bad credit.

In order to understand why lenders are rejecting your applications, you must know your credit score.

Get a copy of your FICO credit score and understand what it means. Knowing your credit score and breaking it down will help you see what lenders see.

You can request a copy of your credit report from FICO if you need to.

No Credit vs. Poor Credit

Do you have bad credit or you do have no credit? Some people might mistake their lack of credit for bad credit.

If you're worried you can't get a loan in the state of Washington, knowing whether or not you have bad credit or no credit can make a difference.

Having no credit means you have never taken out a line of credit. Lenders might not know if they can trust you.

People with no credit are often young people who have never applied for a line of credit or new immigrants.

Bad credit means you let your one or more of your lines credit go delinquent. Having bad credit raises more red flags with lenders.

Focus on Building Your Credit

If you figured out why your credit is bad, it's time you focus on rebuilding it.

Rebuilding your credit is a step that will ensure you get a loan in Washington.

To build your credit:

  • Start making your payments on time
  • Don't use more than 30% of your credit limit
  • Prioritize your debts
  • Look into consolidating
  • Don't close out your old cards

When Washington lenders see you're taking the steps to build your credit, it will be easier for you to get a loan.

Stay Away from Payday Loans

Even if you're trying to get a loan in Washington with bad credit, we must caution you not to take out a payday loan.

The APR can be up to 350 percent and leave you in debt longer.

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Consider a Co-Signer

Getting a loan in Washington will be a lot easier when you get a co-signer. With a co-signer, you'll be able to secure a loan with a lower interest rate.

Ask a family member or a close friend to co-sign for you, and assure them they can trust you to pay off the loan.

Loans for People with Bad Credit: The Bottom Line

Now that you know more about loans for people with bad credit in Washington, it's time you consider your options.

Make sure you learn what your credit score it, rebuild it, and try getting a cosigner.

To learn about the difference between good debt vs bad debt, check out this article.

Material Disclaimer:

By using poorcredit.org you agree to all of our terms and condition and privacy policy, see below. We make no attempt to solicit financial products. We are a publisher and not a lender or financial advisor.
All loan terms are between you and the lender that may offer you short term credit. We have no access to the interest rate, loan duration, payment amounts, or annual percentage rate (APR). Not all lenders are able to offer you the amount you request. Annual percentage rate may be dictated by the laws of the state where you reside. This may limit your ability to access credit. All lending decisions are made by lenders, not us. Read all terms and conditions provided by the lender prior to accepting a legally binding loan agreement. 
Short term credit is not a long term financial solution. It should only be use in an emergency until a less expensive option is available. Void where prohibited. 
We receive compensation from lenders for providing your information in an attempt to help you get a funded by one of these lenders. We make no guarantee you will receive the amount you request on your application or that you will receive any loan offer with specific terms. Everything on our website should be considered an advertisement that we may be compensated for.
Our website uses cookies track consumers as they visit our website with a time, date, IP Address stamp.
Most of the lenders in our network do not use a typical credit check, meaning with the 3 main credit bureaus. They may review an personal loan industry specific report such as DataX or Teletrack.
Services on our website are free to use. You will not be charged to submit an application. Installment loans and payday loans should be use only as a temporary solution.
Must be 18 years old to apply and be a full time citizen of the United States.
If you have any complaints about a lender you can contact the Consumer Financial Protection Bureau (CFPB) at:
Mail a complaint
Consumer Financial Protection Bureau
PO Box 2900
Clinton, IA 52733-2900
or call: (855) 411-2372

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