FiSCWA member locations offer a quick and convenient check cashing option. Many are open extended hours when most banks are closed. FiSCWA member locations give you immediate cash rather than requiring you to wait days for your money. As it has become more common for banks to refuse to cash some checks, FiSCWA members check cashing services offer a convenient, quick alternative.

Surveys show that while most people typically do a good job of managing their household budgets, many of us need occasional help. An increasing number of consumers choose a Payday Loan to cover unexpected expenses or bridge a short-term cash shortage between paydays. A Payday Loan is a short-term loan that provides a sensible alternative to bounced checks, late payment charges or a tarnished credit rating.

A Payday Loan is a short-term loan to cover an occasional cash shortage between paydays. A Payday Loan does not provide the kind of help intended if used repeatedly to the point of incurring additional debt. We recommend that you investigate other financing options if you are planning on borrowing money beyond your next payday.

Washington law gives customers the right to rescind, at no cost, a Payday Loan transaction on or before the close of the following business day.

The Loan Agreement and Disclosure Statement is a contract between you and the FiSCWA member location. It outlines the terms of the loan, including the cost of the loan expressed as a dollar amount and as an annual percentage rate. It is the intent of FiSCWA members that you understand all of the terms of the loan prior to completing the transaction.

Because this is a short-term loan rather than a revolving credit option, FiSCWA members require you to repay your loan in full on the due date. Regulations provided in WAC 208-630-085 prohibit "roll-overs."