Wash. Rev. Code » Title 63 · Chapter 63.14
Revised Code of Washington

Wash. Rev. Code § 63.14.130 (2026)

✓ current as of May 2026
Find cases: SyfertCases citing this section WA-LEGapp.leg.wa.gov JustiaTitle on Justia CornellLII Search CasesGoogle Scholar
The service charge shall be inclusive of all charges incident to investigating and making the retail installment contract or charge agreement and for the privilege of making the installment payments thereunder and no other fee, expense or charge whatsoever shall be taken, received, reserved, or contracted therefor from the buyer, except for any vehicle dealer administrative fee under RCW 46.68.440(1) or for any vehicle dealer documentary service fee under RCW 46.70.180(2).
(1) The service charge, in a retail installment contract, shall not exceed the dollar amount or rate agreed to by contract and disclosed under RCW 63.14.040(1)(h).
(2) The service charge in a retail charge agreement, revolving charge agreement, lender credit card agreement, or charge agreement, shall not exceed the schedule or rate agreed to by contract and disclosed under RCW 63.14.120(1). If the service charge so computed is less than one dollar for any month, then one dollar may be charged.
[ 2010 c 161 s 1153; 2003 c 368 s 3; 1999 c 113 s 4; 1997 c 331 s 7; 1992 c 193 s 1. Prior: 1989 c 112 s 1; 1989 c 14 s 5; 1987 c 318 s 1; 1984 c 280 s 5; 1981 c 77 s 5; 1969 c 2 s 3 (Initiative Measure No. 245, approved November 5, 1968); 1967 c 234 s 8; 1963 c 236 s 13.]

Notes:

Effective date—Intent—Legislation to reconcile chapter 161, Laws of 2010 and other amendments made during the 2010 legislative session—2010 c 161: See notes following RCW 46.04.013.
Effective date—1997 c 331: See note following RCW 70.168.135.
Effective date—1987 c 318: "This act shall take effect January 1, 1988." [ 1987 c 318 s 2.]
Application, saving—1981 c 77: See RCW 63.14.903.
Notes of Decisions
Cited in 9 cases, 1972–2005 · leading case: Cazzanigi v. Gen. Elec. Credit Corp., 938 P.2d 819 (Wash. 1997).
Sort: Relevance Newest Treatment
Cazzanigi v. Gen. Elec. Credit Corp., 938 P.2d 819 (Wash. 1997). · cites it 9× “193, § 1 (RCW 63.14.130), applies to the class members' agreements even if entered into prior to enactment of the legislation.”
State v. Ralph Williams' North West Chrysler Plymouth, Inc., 553 P.2d 423 (Wash. 1976). · cites it 2× “Also, the service charge in appellants' contracts exceeded the maximum amount allowable under RCW 63.14.130. [7] RCW 46.70.101, in part, states: "The director may by order deny, suspend or revoke the license of any vehicle dealer, vehicle manufacturer, or vehicle salesman or, in…”
Whitaker v. Spiegel, Inc., 637 P.2d 235 (Wash. 1981). · cites it 3× “RCW 63.14.130. Appellant argues that RISA is inapplicable since mail order charge agreements are not specifically mentioned in the statute whereas mail order installment contracts are specifically mentioned.”
Johnston v. Beneficial Mgmt. Corp. of Am., 538 P.2d 510 (Wash. 1975). · cites it 2× “020), the retail installment sales act (RCW 63.14.130 and .180), and the usury statute (RCW 19.”
Cazzanigi v. Gen. Elec. Credit Corp., 132 Wash. 2d 433 (Wash. 1997). · cites it 9× “193, § 1 (RCW 63.14.130), applies to the class members’ agreements even if entered into prior to enactment of the legislation.”
Nat'l Bank of Com. v. Thomsen, 495 P.2d 332 (Wash. 1972). · cites it 2× “RCW 63.14.130. At the time of the transaction involved in this suit, there was no statutory limit placed upon the amount of service charge to be exacted in installment sales.”
Atlas Credit of California, Inc. v. Hill, 547 P.2d 894 (Wash. Ct. App. 1976). “RCW 63.14.130. [2] 2Effective January 1, 1968, RCW 63.”
Bell v. Muller, 118 P.3d 405 (Wash. Ct. App. 2005). · cites it 2× “Central Valley was authorized under RCW 63.14.130 to execute a conditional sales contract with any service charge agreed to by the parties.”
Zachman v. Whirlpool Acceptance Corp., 841 P.2d 27 (Wash. 1993). · cites it 2× “Revolving charge agreements and lender credit card agreements may charge 1 1/2 percent per month, i.e., 18 percent per year.”
— Wash. Rev. Code § 63.14.130(1) — 2 cases
Cazzanigi v. Gen. Elec. Credit Corp., 938 P.2d 819 (Wash. 1997). “193, § 1 (RCW 63.14.130), applies to the class members' agreements even if entered into prior to enactment of the legislation.”
Cazzanigi v. Gen. Elec. Credit Corp., 132 Wash. 2d 433 (Wash. 1997). “193, § 1 (RCW 63.14.130), applies to the class members’ agreements even if entered into prior to enactment of the legislation.”
— Wash. Rev. Code § 63.14.130(2) — 2 cases
Cazzanigi v. Gen. Elec. Credit Corp., 938 P.2d 819 (Wash. 1997). “193, § 1 (RCW 63.14.130), applies to the class members' agreements even if entered into prior to enactment of the legislation.”
Cazzanigi v. Gen. Elec. Credit Corp., 132 Wash. 2d 433 (Wash. 1997). “193, § 1 (RCW 63.14.130), applies to the class members’ agreements even if entered into prior to enactment of the legislation.”
Annotations are extracted automatically from the opinions in the Syfert caselaw corpus and ranked by authority, recency, and treatment. Dots show Syfertize treatment of the citing case itself.