Washington State Department of Financial Institutions

Guide to Washington State Interest Rates

Because there are many laws and factors affecting interest rates, it is difficult to get a clear picture of why some loans have higher interest rates than others.

DFI prepared the following general guide for Washington State consumers. The guide explains the laws and factors related to interest rates. It is for educational purposes only. It does not include every law associated with interest rates and it is not intended to substitute for legal advice.


Table of Contents:

  1. Interest Rate Factors and Usury Law - A variety of factors influence interest rates in Washington State. Learn more about how the Washington State usury law limits interest rates for many types of  consumer loans.
  2. Exceptions to the Usury Law - Many different types of lending situations and loans are exempt from the Washington State usury law. Learn about these exceptions.

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