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Personal loans in Coulee Dam, WA

In Coulee Dam, one of 281 Census places in Washington, the figure to compare across lenders is the APR, not the advertised rate. Pull your credit reports and line up at least three offers before you apply from Coulee Dam. With 1,223 residents, Coulee Dam outranks about 32% of the communities in Washington. Every figure below is Washington's own, applied to Coulee Dam's 1,223 residents, with the publisher and retrieval date attached. The 2020 count to the 2023 estimate shows about 0.7% growth in Coulee Dam. The nearest larger city is Bridgeport, WA about 32 miles away.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

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.

Coulee Dam: population, trend and location

Set out below is Coulee Dam's local context next to the state-level rules that reach every lender here.

How lenders reach Coulee Dam

Coulee Dam is a moderately settled community of about 1,223 people, with 7 larger places inside a 50-mile radius. What is available to Coulee Dam's 1,223 borrowers is set by Washington licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Bridgeport, WA about 32 miles away.

Washington consumer-lending rules applied in Coulee Dam

Below are the Washington rules that apply to a loan made in Coulee Dam, each with the regulator that issued it.

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

Where Coulee Dam sits in Washington

Coulee Dam is the 192nd-largest of 281 Census places in Washington and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 164th of 281 Washington places, putting it near the 42th percentile for growth. At about 1,708 people per square mile, Coulee Dam is the 122nd most densely settled place in Washington. Within 50 miles sit 17 smaller Census places, alongside the 7 that are larger.

Where Coulee Dam sits

Coulee Dam covers about 0.7 square miles of land, with 0.07 square miles of water inside its boundaries (Census Gazetteer). With 1,223 residents, the land area yields roughly 1,708 people per square mile. The largest place in Washington, Seattle, lies about 159 miles away. Counting outward 50 miles, 7 larger communities surround Coulee Dam. The 100-mile radius contains 41 larger places.

The Coulee Dam borrowing checklist

These steps shape the offer you get in Coulee Dam, a place of about 1,223 people:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Look the lender up in the Washington regulator's licence records before you sign.
  5. Check the disclosure for fees that raise the true cost above the quoted rate.
  6. Test the payment against your current bills before you commit.
  7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

None of these steps is Coulee Dam-specific: the same Washington licensing and disclosure rules reach all 1,223 residents.

Compare personal loan offers Run the numbers first

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