Personal loans in Colville, WA

Census figures put the 2020-to-2023 increase in Colville at about 2.2%. At about 5,037 residents, Colville is larger than roughly 57% of the places in Washington.

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.

The first question in Colville is not the rate on offer but whether the payment fits; about 5,037 people live here under Washington lending law. Verify the lender's Washington licence against the regulator named below before borrowing in Colville. State law, not city hall, decides what a lender may do to Colville's roughly 5,037 residents, and a state regulator supervises it. The nearest larger metro is Airway Heights, WA about 64 miles away.

Colville: the sourced local profile

Here is the sourced Census picture for Colville, plus the Washington lending rules that apply to a loan taken out here.

Land, water and location for Colville

The Census Gazetteer records about 3.1 square miles of land within Colville, with no significant water area listed. With 5,037 residents, the land area yields roughly 1,631 people per square mile. Seattle, the largest place in Washington, is about 215 miles from Colville. Colville has 0 larger places within a 50-mile radius. By land area it ranks 124th of 281 Washington places.

Washington consumer-lending rules applied in Colville

Every row below records a Washington rule, its publisher and its retrieval date — the same rules a Colville lender must follow.

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

Colville against the rest of Washington

Set beside Washington's 281 places, Colville ranks 121st by population and holds about 0.1% of the state total. On the 2020-to-2023 trend, Colville stands 119th among Washington's 281 places — roughly the 58th percentile. Its roughly 1,631 residents per square mile place it 131st among Washington's places. By land area, its 3.1 square miles rank 124th of 281 places in Washington.

Getting a loan in Colville

Colville is a moderately settled community of about 5,037 people, with 0 larger places inside a 50-mile radius. Distance to a branch rarely matters for Colville's 5,037 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Airway Heights, WA about 64 miles away.

How personal loans work in Colville

Most loans made to Colville's 5,037 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Colville's 5,037 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Colville loan is knowable in advance — unlike a revolving card balance.

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

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