Micro Loans NW is a Kent, Washington-based financial services provider offering payday loans, business loans, check cashing, and wire transfers since 2010.
Data compiled from public sources · Google rating shown when a stored review count is available
Micro Loans NW was founded in 2010 and operates as a community-based financial services provider in Kent, Washington. The company positions itself as a neighborhood lender focused on serving customers who need quick access to cash and financial services. With over a decade of operation, they have built their business around serving local customers during financial emergencies and for routine cash-handling needs.
The company offers a diverse array of financial products including payday loans, business loans, check cashing, money orders, bill payment services, and Western Union wire transfers. Their service hours extend until 8:00 pm on weekdays, with Western Union wire transfer services available Monday through Thursday from 12 pm to 7 pm. They emphasize in-person service delivery and encourage customers to visit their single location at 118 Central Avenue South in Kent.
Micro Loans NW distinguishes itself through direct personal interaction and community focus. The company highlights that its team has over 40 years of combined experience and emphasizes treating customers and employees with honesty and respect. Their extended evening hours (until 8:00 pm) and weekend availability accommodate working customers who cannot visit during traditional business hours.
The company operates in a heavily regulated industry but the website provides limited disclosure of rates, terms, or regulatory compliance details. As a payday and short-term lender, customers should be aware that payday loans typically carry high APRs and short repayment terms. The company's emphasis on multiple loan products suggests it serves customers with varying financial needs, though specific eligibility criteria and loan terms are not detailed on their public website.
This is state-level context for Check Cashing & Money Services consumers in Kent, WA. It does not confirm that Micro Loans NW or this specific location is licensed.
State regulator
Washington Department of Financial Institutions
Consumer protection
Short-term lending status: Legal
General rate context: 12% general usury; payday loans capped at $700 with tiered fees (15% on first $500)
Washington allows payday lending with a $700 cap, tiered fee structure, and a limit of eight loans per year. After the eighth loan, borrowers must be offered a no-cost installment plan. The Department of Financial Institutions regulates consumer lenders, and complaints can be filed with DFI or the Attorney General.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Micro Loans NW offers 8 services including Payday loans, Business loans, Check cashing, Money orders, Bill payment services, and 3 more.
Micro Loans NW has profile signals associated with Customers needing immediate check cashing or wire transfer services in the Kent area, Small business owners seeking quick access to business loans, Workers unable to visit financial institutions during standard business hours due to employment schedules.
Key strengths: Extended business hours until 8:00 pm daily, accommodating working customers; In-person service available at physical location in Kent, Washington; Diverse service offerings including payday loans, business loans, check cashing, and wire transfers. Areas to consider: Payday loans typically carry high APR rates not disclosed on website; Limited online information about specific loan terms, rates, or eligibility requirements.
In the Check Cashing & Money Services category, comparable providers include Accent Guns and Loans, Berry's Pawn, Vetoben. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Micro Loans NW is best suited for Kent-area residents who need quick access to cash services, check cashing, or emergency loans and prefer in-person service with extended evening hours. Primary caveat: payday loans carry high interest rates and short repayment terms; customers should carefully review all terms before borrowing and consider alternative options for longer-term financial needs.
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