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.

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.

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.

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.

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
Payday lending statusLicensed; 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 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

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.

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 Carnation 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 Carnation is the same as anywhere in Washington.
What loan size can I expect in Carnation?
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 Carnation?
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 Carnation 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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