Personal loans in Coulee City, WA
From the 2020 Census base to the 2023 estimate, the population rose by about 0.2%. For a borrower among the roughly 551 residents of Coulee City, a personal loan is a tool whose cost turns on the terms, not the address.
The Census estimates 551 residents in Coulee City, which ranks it 236th of 281 places in Washington. Borrowers who want a bigger city can look to Soap Lake, WA about 18 miles away. Consumer lending that reaches Coulee City's 551 residents is governed by Washington statute; no city ordinance changes it. Begin with the payment, then weigh APR and total interest across the lenders that reach Coulee City's 551 residents.
Coulee City: population, trend and location
Set out below is Coulee City's local context next to the state-level rules that reach every lender here.
- Population: 551 people, a figure that places Coulee City 236th among the 281 Census places in Washington (US Census Bureau, Vintage 2023).
- Population trend: Growth of about 0.2% across the 2020-to-2023 comparison.
- Net change: roughly 1 more people than the 2020 Census counted.
- Size percentile: Coulee City sits ahead of around 16% of Washington places, at 551 people.
- Density: roughly 596 residents per square mile, spread over 0.9 sq mi of land.
- By land area: Coulee City ranks 211th among Washington's 281 places, at 0.9 sq mi.
- Water area: Coulee City has 0.04 square miles of water, ranking 132nd of 281 places in Washington.
- Share of Washington: Coulee City holds about 0.0% of the state's population, some 551 people.
- National rank: Coulee City is 12,761st of 19,457 places nationwide.
- Growth in Washington: Coulee City stands 174th by percentage change from 2020 to 2023, among 281 places.
- State comparison: Washington's places average +2.8% for 2020-to-2023, against Coulee City's 0.2%.
- Density rank: Coulee City places 248th among Washington's places by people per square mile.
- Density in context: Coulee City's 596 people per square mile sit against a Washington median of 1,518.
- Location: 47.6117, -119.2895 (US Census Bureau Gazetteer).
- Nearest larger cities: Soap Lake (18 mi); Ephrata (24 mi); Electric City (24 mi); Grand Coulee (26 mi); Coulee Dam (29 mi). Larger metros often have more branches, but online lenders reach Coulee City on the same terms.
- Nearest smaller towns: Hartline (10 mi); Wilson Creek (15 mi); Almira (18 mi).
- Smaller neighbours: 9 places smaller than Coulee City sit within 50 miles.
- Larger places within 100 miles: 72.
Getting a loan in Coulee City
Coulee City is moderately settled, with about 596 people per square mile and 19 larger places within 50 miles. A Washington licence lets a lender serve Coulee City without a local office, so branch density does not change what its 551 residents are offered. The nearest larger city, Soap Lake, WA about 18 miles away.
Coulee City against the rest of Washington
Within Washington, Coulee City holds roughly 0.0% of all residents, the 236th-largest share among 281 places. Its 2020-to-2023 change ranks 174th of 281 Washington places, putting it near the 38th percentile for growth. Its roughly 596 residents per square mile place it 248th among Washington's places. Within 50 miles sit 9 smaller Census places, alongside the 19 that are larger.
The state rulebook for Coulee City
When Washington does not publish a figure, the row links to the source instead of inventing a number; Coulee City is bound by the same rules.
| 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 |
Coulee City: area, density and distance
Coulee City's land area is about 0.9 square miles; a further 0.04 square miles is water. With 551 residents, the land area yields roughly 596 people per square mile. The state's population centre of gravity, Seattle, is roughly 143 miles away. Counting outward 50 miles, 19 larger communities surround Coulee City. Within the same 50 miles lie 9 smaller Census places.
The anatomy of a Coulee City personal loan
In Coulee City, a small community of about 551, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Coulee City loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Coulee City loan but raises total interest, so the smallest payment is not the cheapest loan.
Common questions
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Nearby places
- Hartline, WA — population 177
- Wilson Creek, WA — population 202
- Soap Lake, WA — population 1,744
- Krupp, WA — population 47
- Almira, WA — population 332
- Ephrata, WA — population 8,665
- Electric City, WA — population 946
- Mansfield, WA — population 328