Compare top lenders licensed in Washington state. APRs from 5.9%, loans up to $100,000, same-day funding available. Free to compare — no credit impact. Serving Seattle, Spokane, Tacoma, and all of WA.
| Lender | APR Range | Loan Amount | Best For | Funding Speed | |
|---|---|---|---|---|---|
| LightStream Best Overall | 6.99%–24.49% | $5k–$100k | Excellent credit | Same day | Get Rate |
| SoFi No Fees | 8.99%–29.99% | $5k–$100k | Good credit | Same day | Get Rate |
| Marcus by Goldman Debt Consolidation | 6.99%–24.99% | $3.5k–$40k | Debt payoff | 1–4 days | Get Rate |
| Upstart Fair Credit OK | 7.80%–35.99% | $1k–$50k | Thin credit files | 1 day | Get Rate |
| Best Egg Fast Funding | 8.99%–35.99% | $2k–$50k | Fast funding | Same day | Get Rate |
APR ranges reflect each lender's advertised best and highest rates. Washington state has rate caps tied to loan size under the Consumer Loan Act. All lenders listed are licensed by the WDFI.
| Credit Score | APR Range | Best Lender |
|---|---|---|
| 720+ (Excellent) | 5.9% – 10.9% | LightStream, SoFi |
| 680–719 (Good) | 10.9% – 17.9% | Marcus, Discover |
| 640–679 (Fair) | 17.9% – 24.9% | Upstart, Avant |
| 600–639 (Poor) | 24.9% – 31.9% | Avant, LendingPoint |
| Below 600 | 29.9% – 35.9% | OneMain, OppFi |
| Lender | Loan Amount | Min Score | Funding |
|---|---|---|---|
| LightStream | $5k – $100k | 660 | Same day |
| SoFi | $5k – $100k | 650 | 2-3 days |
| Upstart | $1k – $50k | 580 | Next day |
| Prosper | $2k – $50k | 640 | 2-5 days |
| OneMain Financial | $1.5k – $20k | None | Same day |
All lenders in our Washington network are licensed by the Washington Department of Financial Institutions (WDFI) under the Consumer Loan Act.
LightStream and SoFi can fund Washington borrowers same day for applications completed before 2:30pm ET.
Comparing rates on TrueRateGuide uses a soft pull only — your credit score is not affected by browsing or pre-qualifying.
Our comparison is 100% free to Washington borrowers. We earn referral fees from lenders, not from you.
Consumer lending in Washington is regulated by the Washington Department of Financial Institutions (DFI). The Washington Consumer Loan Act (RCW 31.04) requires any company making consumer loans to Washington residents to be licensed, and sets tiered maximum rates based on loan size and type. Small short-term loans are separately regulated under the Washington Small Loan Act, which caps permissible fees and limits the number of loans a borrower can hold at one time. Washington is recognized for aggressive 'true lender' enforcement, meaning DFI looks at the economic substance of bank-partnership arrangements when determining whether state caps apply.
Washington lenders must provide clear written disclosures of APR, finance charges, fees, and payment terms before signing, consistent with the federal Truth in Lending Act. Borrowers are also protected by the Washington Consumer Protection Act against unfair or deceptive lending practices. If you believe a lender has charged above Washington's legal rate, added undisclosed fees, or operated without a required license, you can file a written complaint with the Washington DFI online or by calling (877) 746-4334. DFI maintains a license lookup so Washington residents can verify authorization before borrowing.
Most top lenders in Washington state prefer a credit score of 660 or higher. LightStream and Marcus by Goldman Sachs typically require 700+ for their best rates. Upstart accepts scores as low as 580 using an AI-driven model that also considers education and employment history. A score of 720+ generally qualifies for APRs below 10% with the best WA-licensed lenders.
The Washington Consumer Loan Act (CLA) requires all personal loan lenders operating in Washington state to be licensed with the Washington Department of Financial Institutions (WDFI). Licensed lenders must disclose all rates, fees, and terms upfront. The CLA also establishes rate caps that vary based on loan size — protections designed to prevent predatory lending practices in the state.
Online lenders like LightStream can fund Washington state borrowers the same day for applications approved and accepted before 2:30pm ET. SoFi and Best Egg also offer same-day or next-day funding. Marcus by Goldman Sachs typically takes 1–4 business days. Having your documents — ID, pay stubs, bank account info — ready upfront speeds up the process significantly.
Yes. Washington state has rate caps tied to loan size under the Consumer Loan Act. The specific caps vary depending on the loan amount and lender type. Always verify the applicable rate limits directly with your lender before signing any loan agreement. All WDFI-licensed lenders are required by law to disclose the full APR and all fees prior to funding.
Yes. Under the Washington Consumer Loan Act (RCW 31.04), any company making consumer loans to Washington residents must be licensed by the Washington Department of Financial Institutions (DFI). This applies to online lenders, out-of-state banks' non-bank partners, and storefront lenders. DFI enforces "true lender" principles and has acted against unlicensed high-rate lending. Verify licensure via the DFI or NMLS Consumer Access, and file complaints about unlicensed or unlawful lending with DFI at (877) 746-4334.