Personal loans in Chehalis, WA
Chehalis, Washington — home to about 7,571 people — is a small town, so the terms you are offered follow Washington law rather than any local rule. With 7,571 residents, Chehalis outranks about 62% of the communities in Washington.
Population in Chehalis climbed about 1.9% over the three years from 2020 to 2023. Price two or three terms so you can see which payment is truly affordable in Chehalis. The nearest larger city is Centralia, WA about 4 miles away. State law, not city hall, decides what a lender may do to Chehalis's roughly 7,571 residents, and a state regulator supervises it.
Chehalis: the sourced local profile
Read the local figures below as context; read the sourced Washington table as the rulebook a lender here must follow.
- Population: 7,571 residents; Chehalis is the 106th-largest of 281 places in Washington (US Census Bureau, Vintage 2023).
- Population trend: Growth of about 1.9% across the 2020-to-2023 comparison.
- Net change: roughly 142 more people than the 2020 Census counted.
- Size percentile: with 7,571 residents, Chehalis is larger than about 62% of Washington's Census places.
- Density: the Census land area of 5.8 sq mi holds about 1,304 people per square mile.
- Land area rank: Chehalis's 5.8 square miles rank 90th of 281 places in Washington.
- Water area rank: Chehalis ranks 120th among Washington's 281 places, with 0.07 sq mi.
- State population share: Chehalis accounts for about 0.1% of everyone in Washington.
- National rank: Chehalis sits 3,801st by population among the 19,457 places in this dataset.
- Growth rank: Chehalis's 2020-to-2023 change ranks 126th of 281 places in Washington.
- Versus Washington: the state average change is +2.8%, while Chehalis moved 1.9%.
- Density rank: Chehalis places 163rd among Washington's places by people per square mile.
- Against the state median: Chehalis runs about 1,304 residents per square mile, where the Washington median is 1,518.
- Location: 46.6642, -122.9654 (US Census Bureau Gazetteer).
- Nearest larger cities: Centralia (4 mi); Tumwater (23 mi); Yelm (25 mi); Olympia (26 mi); Lacey (27 mi). Living near a larger metro rarely changes what is available in Chehalis.
- Nearest smaller towns: Napavine (6 mi); Bucoda (10 mi); Winlock (12 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 28 of them.
- At 100 miles: 92 larger Census places fall inside that radius.
Borrowing reach in Chehalis
Chehalis is moderately settled, with about 1,304 people per square mile and 18 larger places within 50 miles. A Washington licence lets a lender serve Chehalis without a local office, so branch density does not change what its 7,571 residents are offered. For a larger market, the closest option is Centralia, WA about 4 miles away.
Inside a Chehalis personal loan
Most loans made to Chehalis's 7,571 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Chehalis. The term you choose in Chehalis decides the split between a comfortable payment and the total interest you pay.
Which Washington laws govern a loan in Chehalis
Every row below records a Washington rule, its publisher and its retrieval date — the same rules a Chehalis lender must follow.
| 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 |
| 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 |
| 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 |
Chehalis's place among Washington's 281 places
Against Washington's other places, Chehalis accounts for about 0.1% of the state's population and ranks 106th of 281 by size. For population change between 2020 and 2023, Chehalis ranks 126th of 281 in Washington (about the 55th percentile). At about 1,304 people per square mile, Chehalis is the 163rd most densely settled place in Washington. In land area, Chehalis ranks 90th among Washington's 281 places.
Where Chehalis sits
The Census Gazetteer records 5.8 square miles of land and 0.07 square miles of water within Chehalis. That land carries about 1,304 people per square mile. The largest place in Washington, Seattle, lies about 72 miles away. A 50-mile radius around Chehalis takes in 18 places that are larger. By land area it ranks 90th of 281 Washington places.
Common questions
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Nearby places
- Centralia, WA — population 18,754
- Napavine, WA — population 2,140
- Bucoda, WA — population 615
- Winlock, WA — population 1,944
- Tenino, WA — population 1,943
- Toledo, WA — population 762
- Vader, WA — population 682
- Oakville, WA — population 728