WA · PROM-NOTE · Updated July 2026 · Free

Washington Promissory Note PDF

Not Attorney-ReviewedAuthor: Arjun AnnamalaiMethodology: Statutory Verification

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Washington at a glance: Usury Limit: 12% per year · Governing Law: Wash. Rev. Code § 19.52.020

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Overview

Promissory Notes in Washington

Washington limits interest rates to 12% per year, or 4% above the average yield on Treasury bills, whichever is greater.
Key Facts

Washington Promissory Note — Quick Reference

RequirementWashington Rule
Usury Limit12% per year
Governing LawWash. Rev. Code § 19.52.020
Legal Requirements

Washington Legal Requirements

  • Interest rate must not exceed 12% per year.
Governing Laws

Washington Governing Laws

Wash. Rev. Code § 19.52.020
Usury Limit
Caps written contract interest rates at 12%.

Read the full text of these laws at Cornell Law School's Washington legal resources or your state legislature's official website.

Questions & Answers

Washington Promissory Note — Frequently Asked Questions

What is the usury limit in Washington?

The ceiling is 12% per year.