Personal loans in Ferndale, WA

If debt is already a strain, a nonprofit credit counsellor can help Ferndale residents before they take on more. To lend to Ferndale's 15,992 residents, a company must hold a Washington licence, and each sourced row below names the regulator behind it. The trend for Ferndale between 2020 and 2023 is upward by roughly 6.2%. The closest larger city is Bellingham, WA about 9 miles away.

Ferndale by the numbers

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

• Population: about 15,992, ranked 68th of 281 places in Washington (Census Vintage 2023 subcounty estimate).
• Population trend: A rise of about 6.2% from 2020 to 2023.
• Absolute change: 930 residents added between 2020 and 2023.
• Size percentile: bigger than about 76% of the places in Washington, with 15,992 residents in Ferndale.
• Population density: about 2,221 people per square mile across 7.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area rank: Ferndale's 7.2 square miles rank 66th of 281 places in Washington.
• Water area: Ferndale has 0.11 square miles of water, ranking 107th of 281 places in Washington.
• Within Washington: about 0.3% of the state's population lives in Ferndale.
• National rank: Ferndale is 2,256th of 19,457 places nationwide.
• Growth rank: Ferndale ranks 47th among Washington's 281 places for the 2020-to-2023 change.
• State comparison: Washington's places average +2.8% for 2020-to-2023, against Ferndale's 6.2%.
• Density in Washington: Ferndale ranks 88th by people per square mile.
• Density in context: Ferndale's 2,221 people per square mile sit against a Washington median of 1,518.
• Location: 48.8534, -122.5902 (Census Gazetteer coordinates).
• Nearest larger cities: Bellingham (9 mi); Lynden (9 mi); Anacortes (25 mi); Mount Vernon (33 mi); Oak Harbor (39 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller communities within reach: Everson (11 mi); Blaine (12 mi); Nooksack (13 mi).
• Smaller places within 50 miles: 13 of them.
• Within 100 miles: 33 places are larger than Ferndale.

A pre-application checklist for Ferndale

For Ferndale's roughly 15,992 residents, these are the steps that most influence the offer:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Make sure the lender appears in the Washington regulator's licence list.
5. Write down the purpose of the loan and your repayment plan before you apply.
6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

None of these steps is Ferndale-specific: the same Washington licensing and disclosure rules reach all 15,992 residents.

How personal loans work in Ferndale

In Ferndale, a small town of about 15,992, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Ferndale's rank of 68th in Washington: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Ferndale loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Where Ferndale sits in Washington

Within Washington, Ferndale holds roughly 0.3% of all residents, the 68th-largest share among 281 places. On the 2020-to-2023 trend, Ferndale stands 47th among Washington's 281 places — roughly the 83th percentile. By density, at about 2,221 people per square mile, it ranks 88th in Washington. By land area, its 7.2 square miles rank 66th of 281 places in Washington.

What Washington law requires in Ferndale

This table holds the Washington rate and licensing rules for consumer loans made to Ferndale's 15,992 residents.

Where Ferndale sits

Inside Ferndale's boundaries lie roughly 7.2 square miles of land and 0.11 square miles of water. That land carries about 2,221 people per square mile. The state's population centre of gravity, Seattle, is roughly 86 miles away. Within 50 miles of Ferndale there are 5 larger Census places. Within the same 50 miles lie 13 smaller Census places.