Personal loans in Bothell, WA

Lenders active in Bothell report to a Washington supervisor, identified in the sourced rows below. Bothell is one of 281 Census places in Washington; its 50,213 residents put it at 26th.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Personal loans in Bothell are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 50,213 population. From the 2020 Census base to the 2023 estimate, the population rose by about 4.3%. Pull your credit reports and line up at least three offers before you apply from Bothell. The closest larger city is Kirkland, WA about 5 miles away.

The Bothell data picture

The figures below are Bothell's own — Census population, land area and coordinates — followed by the Washington rules.

Inside a Bothell personal loan

With roughly 50,213 residents, Bothell is a mid-sized city; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Bothell lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Bothell loan is knowable in advance — unlike a revolving card balance.

How Washington law applies in Bothell

These are Washington's sourced lending facts as they reach Bothell's 50,213 residents; the state has no city-level rate rule.

RuleDetailSource
State lending regulatorWashington State Department of Financial Institutions (DFI)
Source says: DFI licenses and regulates financial institutions and service providers in Washington.
Washington State Department of Financial Institutions (DFI)
as of 2026-09-16
Small-loan / installment lender licensingConsumer Loan Company license required (Consumer Loan Act, RCW 31.04.035)
Source says: No person may engage in any activity subject to this chapter without first obtaining and maintaining a license in accordance with this chapter.
Washington State Legislature (RCW)
as of 2026-09-16
Maximum legal interest rate (usury cap)12% per annum, or four points above the Federal Reserve bill rate, whichever is higher (RCW 19.52.020)
Source says: any rate of interest shall be legal so long as the rate of interest does not exceed the higher of: (a) Twelve percent per annum
Washington State Legislature (RCW)
as of 2026-09-16

Getting a loan in Bothell

With about 3,683 residents per square mile, Bothell is fairly dense, and 15 larger Census places sit within 50 miles. Whether Bothell has a local branch or not, a Washington-licensed lender can serve its 50,213 people online on the same terms. The nearest bigger place is Kirkland, WA about 5 miles away.

Land, water and location for Bothell

Bothell's land area is roughly 13.6 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 3,683 people per square mile. The state's population centre of gravity, Seattle, is roughly 13 miles away. Within 50 miles of Bothell there are 15 larger Census places. Within the same 50 miles lie 71 smaller Census places.

Bothell's place among Washington's 281 places

Bothell is the 26th-largest of 281 Census places in Washington and contains about 1.0% of the state's people. On the 2020-to-2023 trend, Bothell stands 76th among Washington's 281 places — roughly the 73th percentile. By density, at about 3,683 people per square mile, it ranks 29th in Washington. Between 2020 and 2023 the count changed by roughly 2,062 residents.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Bothell if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Bothell is the same as anywhere in Washington.
What loan size can I expect in Bothell?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Bothell?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Bothell cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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