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Each Washington payday loan in the state must adhere to the terms of 31 days or less. The amount of the loan is capped at $500, which means that an individual can only borrow that amount from one lender at any one time.

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For example, Washington limits borrowers to eight payday loans per year. Virginia requires loans to be payable in two pay cycles; however, lenders evade protections in Virginia by structuring loans as unregulated open-end lines of credit.