Personal loans in Granger, WA
A personal loan in Granger is priced from your credit file and income, not from the fact that the city holds 3,700 people. Granger ranks 134th of 281 places in Washington, with a population near 3,700.
Granger added about 2.0% to its population between the 2020 base and the 2023 estimate. State law, not city hall, decides what a lender may do to Granger's roughly 3,700 residents, and a state regulator supervises it. For a community of about 3,700, the practical step is to compare APR across at least three lenders before committing. The next larger city is Toppenish, WA about 6 miles away.
Where Granger stands
Read the local figures below as context; read the sourced Washington table as the rulebook a lender here must follow.
- Population: about 3,700, ranked 134th of 281 places in Washington (Census Vintage 2023 subcounty estimate).
- Population trend: A gain of roughly 2.0% between 2020 and 2023.
- Net change: roughly 73 more people than the 2020 Census counted.
- Size percentile: roughly 52% of Washington places rank below Granger.
- Population density: about 2,141 people per square mile (Census land area 1.7 sq mi).
- By land area: Granger ranks 158th among Washington's 281 places, at 1.7 sq mi.
- Water area rank: Granger ranks 160th among Washington's 281 places, with 0.01 sq mi.
- State population share: Granger accounts for about 0.1% of everyone in Washington.
- National rank: Granger sits 5,667th by population among the 19,457 places in this dataset.
- Growth in Washington: Granger stands 122nd by percentage change from 2020 to 2023, among 281 places.
- State comparison: Washington's places average +2.8% for 2020-to-2023, against Granger's 2.0%.
- Density rank: Granger is the 92nd most densely settled place in Washington.
- Density in context: Granger's 2,141 people per square mile sit against a Washington median of 1,518.
- Location: 46.3453, -120.1927 (Census Gazetteer coordinates).
- Nearest larger cities: Toppenish (6 mi); Sunnyside (9 mi); Wapato (13 mi); Grandview (15 mi); Moxee (18 mi). A branch is convenient; it is not what sets your APR.
- Smaller towns nearby: Zillah (6 mi); Mabton (13 mi); Harrah (17 mi).
- Smaller places within 50 miles: 10 of them.
- Larger places within 100 miles: 32.
How a Granger personal loan is priced
With roughly 3,700 residents, Granger is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Granger loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Granger decides the split between a comfortable payment and the total interest you pay.
How Washington law applies in Granger
When Washington does not publish a figure, the row links to the source instead of inventing a number; Granger 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 |
| 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 |
Before you apply in Granger
These steps shape the offer you get in Granger, a place of about 3,700 people:
- Start with the credit file: order the reports, fix the errors, then apply.
- Test your amount and term in the personal loan calculator first.
- Shop at least three lenders and judge them on APR and total cost.
- Confirm the Washington licence with the regulator named above before committing.
- Check that the monthly payment fits your budget next to your existing obligations.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
- Keep the amount to the expense; an approval is not a reason to take more.
In Granger as elsewhere in Washington, the written terms — not the advertisement — are what count for its 3,700 residents.
Granger against the rest of Washington
Within Washington, Granger holds roughly 0.1% of all residents, the 134th-largest share among 281 places. For population change between 2020 and 2023, Granger ranks 122nd of 281 in Washington (about the 57th percentile). Its roughly 2,141 residents per square mile place it 92nd among Washington's places. By land area, its 1.7 square miles rank 158th of 281 places in Washington.
Lender access in Granger
Granger is a fairly dense community of about 3,700 people, with 16 larger places inside a 50-mile radius. Distance to a branch rarely matters for Granger's 3,700 residents: the application is online and the price follows your credit file. The nearest larger city, Toppenish, WA about 6 miles away.
Common questions
What are my options in Granger if my credit is poor?
What loan size can I expect in Granger?
Do I have to pledge anything to borrow in Granger?
Does comparing loans in Granger cost me credit score points?
Nearby places
- Zillah, WA — population 3,122
- Toppenish, WA — population 8,650
- Sunnyside, WA — population 16,264
- Mabton, WA — population 1,943
- Wapato, WA — population 4,486
- Moxee, WA — population 4,827
- Grandview, WA — population 11,149
- Harrah, WA — population 570