Personal loans in Carnation, WA
A lender serving Carnation holds a Washington licence and answers to a Washington regulator; no city office is involved for its 2,176 residents.
To lend to Carnation's 2,176 residents, a company must hold a Washington licence, and each sourced row below names the regulator behind it. With an estimated 2,176 residents, Carnation is the 161st-largest of 281 places in Washington. Verify the lender's Washington licence against the regulator named below before borrowing in Carnation. The 2020 count to the 2023 estimate shows about 1.0% growth in Carnation. The closest larger place is Snoqualmie, WA about 7 miles away.
Carnation: population, trend and location
Set out below is Carnation's local context next to the state-level rules that reach every lender here.
- Population: a Census-estimated 2,176, 161st among Washington's 281 places (Vintage 2023).
- Population trend: A rise of about 1.0% from 2020 to 2023.
- Net change: roughly 21 more people than the 2020 Census counted.
- Size percentile: roughly 43% of Washington's places have fewer residents than Carnation's 2,176.
- Population density: about 1,879 people per square mile across 1.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Carnation ranks 190th among Washington's 281 places, at 1.2 sq mi.
- Water area: Carnation has 0.03 square miles of water, ranking 142nd of 281 places in Washington.
- State share: roughly 0.0% of Washington's residents live in Carnation (2,176 people).
- National rank: Carnation is the 7,321st most populous of the 19,457 Census places covered here.
- Growth rank: Carnation ranks 158th among Washington's 281 places for the 2020-to-2023 change.
- Versus Washington: the state average change is +2.8%, while Carnation moved 1.0%.
- Density in Washington: Carnation ranks 108th by people per square mile.
- Against the state median: Carnation runs about 1,879 residents per square mile, where the Washington median is 1,518.
- Location: 47.6442 / -121.9007, per the US Census Bureau Gazetteer.
- Nearest larger cities: Snoqualmie (7 mi); Duvall (7 mi); Sammamish (7 mi); Issaquah (10 mi); Redmond (10 mi). Living near a larger metro rarely changes what is available in Carnation.
- Smaller towns nearby: Beaux Arts Village (15 mi); Yarrow Point (15 mi); Hunts Point (15 mi).
- Within a 50-mile radius: 13 smaller Census places.
- At 100 miles: 102 larger Census places fall inside that radius.
What a Carnation borrower is actually offered
With roughly 2,176 residents, Carnation is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Carnation's 2,176 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Carnation loan but raises total interest, so the smallest payment is not the cheapest loan.
The state rulebook for Carnation
The rows below set out what a licensed lender must follow in Washington, and so for Carnation's roughly 2,176 residents.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Washington 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 |
| Payday lending status | Licensed; small loans capped at $700 or 30% of monthly income, max 45 days, fees 15% on first $500 and 10% above (RCW 31.45) Source says: Payday lenders must be licensed by DFI — including online lenders that do business with Washington residents. | Washington State Department of Financial Institutions (DFI) as of 2026-09-16 |
| Small-loan / installment lender licensing | Consumer 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 |
Lender access in Carnation
With about 1,879 residents per square mile, Carnation is moderately settled, and 67 larger Census places sit within 50 miles. A Washington licence lets a lender serve Carnation without a local office, so branch density does not change what its 2,176 residents are offered. The nearest larger city, Snoqualmie, WA about 7 miles away.
Where Carnation sits
Carnation's land area is about 1.2 square miles; a further 0.03 square miles is water. Spread across it are roughly 1,879 residents per square mile. For the state's biggest city, Seattle, the distance is roughly 21 miles. Carnation has 67 larger places within a 50-mile radius. Within the same 50 miles lie 13 smaller Census places.
Carnation in state context
Carnation is the 161st-largest of 281 Census places in Washington and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 158th of 281 Washington places, putting it near the 44th percentile for growth. By density, at about 1,879 people per square mile, it ranks 108th in Washington. By land area, its 1.2 square miles rank 190th of 281 places in Washington.
Common questions
What are my options in Carnation if my credit is poor?
What loan size can I expect in Carnation?
Do I have to pledge anything to borrow in Carnation?
Does comparing loans in Carnation cost me credit score points?
Nearby places
- Snoqualmie, WA — population 13,465
- Duvall, WA — population 8,517
- Sammamish, WA — population 65,116
- Issaquah, WA — population 38,977
- North Bend, WA — population 8,268
- Redmond, WA — population 80,280
- Monroe, WA — population 19,447
- Sultan, WA — population 6,766