Personal loans in Camas, WA

Consumer lending that reaches Camas's 27,254 residents is governed by Washington statute; no city ordinance changes it. An estimated 27,254 people make their home in Camas, a figure that ranks 42nd in Washington. A personal loan in Camas is priced from your credit file and income, not from the fact that the city holds 27,254 people. The trend for Camas between 2020 and 2023 is upward by roughly 4.5%. Verify the lender's Washington licence against the regulator named below before borrowing in Camas. The nearest larger city is Gresham, OR about 7 miles away.

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.

Where Camas stands

Read the local figures below as context; read the sourced Washington table as the rulebook a lender here must follow.

Where Camas sits

Camas's land area is about 14.2 square miles; a further 2.17 square miles is water. That land carries about 1,921 people per square mile. The state's population centre of gravity, Seattle, is roughly 139 miles away. A 50-mile radius around Camas takes in 13 places that are larger. Within the same 50 miles lie 57 smaller Census places.

Lender access in Camas

Camas is moderately settled, with about 1,921 people per square mile and 13 larger places within 50 miles. Lenders licensed in Washington reach Camas's 27,254 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Gresham, OR about 7 miles away.

Washington rules behind a Camas personal loan

These are Washington's sourced lending facts as they reach Camas's 27,254 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

Before you apply in Camas

Before you hand your details to a lender in Camas, where the population is near 27,254:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Model the payment on the calculator before a lender models it for you.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Check the Washington regulator's records to confirm the lender is licensed here.
  5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  6. Read the disclosure for an origination fee and any prepayment penalty before signing.
  7. Check that the monthly payment fits your budget next to your existing obligations.

What differs between Camas and the rest of Washington is not the process but the borrower's own file, among the 27,254 people here.

Camas's place among Washington's 281 places

Among Washington's 281 places, Camas sits at 42nd for population, a share of roughly 0.5% of the state. On the 2020-to-2023 trend, Camas stands 70th among Washington's 281 places — roughly the 75th percentile. By density, at about 1,921 people per square mile, it ranks 105th in Washington. Between 2020 and 2023 the count changed by roughly 1,181 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 Camas 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 Camas is the same as anywhere in Washington.
What loan size can I expect in Camas?
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 Camas?
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 Camas 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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