Check Cashers and Payday Lenders Licensing

DFI uses the Nationwide Mortgage Licensing System (NMLS) to manage all Check Casher and Payday Lender licenses.

Small Loan Agents

All person engaged in the following activities must obtain a license:

  • Marketing and advertising small loans
  • Collecting nonpublic personal information from consumers in anticipation of selling the information to potential lenders
  • Assisting customers in completing small loan documentation
  • Providing required applicable state and federal disclosures (WAC 208-630-137)
  • Collecting small loans

Apply for License

Apply for a Check Casher License with Small Loan Endorsement
(Payday Lending)

All payday lenders must apply for their license through the NMLS system.

Apply for a Check Casher License

Check cashers are required to apply through NMLS.

Check Sellers

Washington State is no longer accepting new check seller license applications under the Check Cashers & Sellers Act. If you sell checks, you must apply for a Money Transmitter license under the Uniform Money Services Act, Chapter 19.230 RCW.