Personal loans in Clyde Hill, WA
Clyde Hill is a small community in Washington, with an estimated 3,077 residents, and every licensed lender here follows the same state rulebook. The Census estimates 3,077 residents in Clyde Hill, which ranks it 142nd of 281 places in Washington. Population in Clyde Hill dropped about 1.6% over the three years from 2020 to 2023. A lender that serves Clyde Hill operates under Washington lending statutes and a Washington supervisor. Compare APR, not the interest rate, because the APR folds in most fees on a Clyde Hill loan. The closest larger city is Bellevue, WA about 4 miles away.
Local context for Clyde Hill
Most of what governs a Clyde Hill loan is written in Washington law rather than in the city; the sourced notes below make that split concrete.
- Population: 3,077 residents; Clyde Hill is the 142nd-largest of 281 places in Washington (US Census Bureau, Vintage 2023).
- Population trend: Roughly 1.6% fewer residents than the 2020 Census counted.
- People gained or lost: about 49 fewer since the 2020 base.
- Size percentile: Clyde Hill sits ahead of around 49% of Washington places, at 3,077 people.
- Population density: 2,917 people per square mile on 1.1 square miles of land.
- Land area rank: Clyde Hill's 1.1 square miles rank 200th of 281 places in Washington.
- State population share: Clyde Hill accounts for about 0.1% of everyone in Washington.
- Nationally: Clyde Hill is the 6,197th-largest of 19,457 Census places in the dataset.
- Growth rank: Clyde Hill's 2020-to-2023 change ranks 226th of 281 places in Washington.
- Versus Washington: the state average change is +2.8%, while Clyde Hill moved 1.6%.
- Density in Washington: Clyde Hill ranks 59th by people per square mile.
- Density vs Washington: Clyde Hill's 2,917 people per square mile compare with a state median of 1,518.
- Location: the Census Gazetteer records it at 47.6304, -122.2180.
- Nearest larger cities: Bellevue (4 mi); Mercer Island (5 mi); Kirkland (5 mi); Redmond (6 mi); Seattle (6 mi). A branch is convenient; it is not what sets your APR.
- Smaller places nearby: Yarrow Point (1 mi); Hunts Point (1 mi); Medina (1 mi).
- Within a 50-mile radius: 16 smaller Census places.
- At 100 miles: 93 larger Census places fall inside that radius.
What to do before borrowing in Clyde Hill
For Clyde Hill's roughly 3,077 residents, these are the steps that most influence the offer:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Test your amount and term in the personal loan calculator first.
- Line up several pre-qualified offers and let the APR decide.
- Confirm the lender holds a Washington licence by checking the regulator named above.
- Keep the amount to the expense; an approval is not a reason to take more.
- Be clear on what the loan is for and how it gets repaid.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
None of these steps is Clyde Hill-specific: the same Washington licensing and disclosure rules reach all 3,077 residents.
The Washington lending rules that reach Clyde Hill
The rows below set out what a licensed lender must follow in Washington, and so for Clyde Hill's roughly 3,077 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 |
| 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 |
| 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 |
Borrowing reach in Clyde Hill
Clyde Hill is fairly dense, with about 2,917 people per square mile and 68 larger places within 50 miles. Whether Clyde Hill has a local branch or not, a Washington-licensed lender can serve its 3,077 people online on the same terms. The nearest bigger place is Bellevue, WA about 4 miles away.
Clyde Hill on the map
Clyde Hill covers about 1.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 3,077 residents, the land area yields roughly 2,917 people per square mile. The state's population centre of gravity, Seattle, is roughly 6 miles away. A 50-mile radius around Clyde Hill takes in 68 places that are larger. Within the same 50 miles lie 16 smaller Census places.
Clyde Hill against the rest of Washington
Clyde Hill is the 142nd-largest of 281 Census places in Washington and contains about 0.1% of the state's people. Its 2020-to-2023 change ranks 226th of 281 Washington places, putting it near the 20th percentile for growth. At about 2,917 people per square mile, Clyde Hill is the 59th most densely settled place in Washington. By land area, its 1.1 square miles rank 200th of 281 places in Washington.
Common questions
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Nearby places
- Yarrow Point, WA — population 1,105
- Hunts Point, WA — population 446
- Medina, WA — population 2,841
- Beaux Arts Village, WA — population 304
- Mercer Island, WA — population 24,742
- Kirkland, WA — population 91,194
- Bellevue, WA — population 151,574
- Newcastle, WA — population 12,761