Personal loans in Hunts Point, WA

Hunts Point is a small community of about 446 residents, and a personal loan taken out here is governed by Washington statute. The 2020 count to the 2023 estimate shows about 2.2% decline in Hunts Point. Hunts Point is home to roughly 446 people and stands 242nd by size out of 281 Census places in Washington. Judge Hunts Point offers on total cost, not on how quickly the money arrives. Lenders active in Hunts Point report to a Washington supervisor, identified in the sourced rows below. The closest larger place is Yarrow Point, WA about 0 miles away.

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.

What the Census records for Hunts Point

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

Hunts Point: area, density and distance

Inside Hunts Point's boundaries lie roughly 0.3 square miles of land and 0.44 square miles of water. That land carries about 1,453 people per square mile. The largest place in Washington, Seattle, lies about 6 miles away. Within 50 miles of Hunts Point there are 81 larger Census places. Within the same 50 miles lie 4 smaller Census places.

Washington consumer-lending rules applied in Hunts Point

This table holds the Washington rate and licensing rules for consumer loans made to Hunts Point's 446 residents.

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
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 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

How lenders reach Hunts Point

With about 1,453 residents per square mile, Hunts Point is moderately settled, and 81 larger Census places sit within 50 miles. Whether Hunts Point has a local branch or not, a Washington-licensed lender can serve its 446 people online on the same terms. For a larger market, the closest option is Yarrow Point, WA about 0 miles away.

Steps to take before a Hunts Point loan

Before you apply in Hunts Point, a community of about 446, work through these steps:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Make sure the lender appears in the Washington regulator's licence list.
  5. Borrow only what the purpose requires, not the maximum you are offered.
  6. Decide the purpose and how you will repay it before approaching any lender.
  7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

The process is identical across Washington; what changes is your credit file, not the fact that Hunts Point holds 446 people.

Hunts Point in state context

Among Washington's 281 places, Hunts Point sits at 242nd for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Hunts Point stands 240th among Washington's 281 places — roughly the 15th percentile. At about 1,453 people per square mile, Hunts Point is the 148th most densely settled place in Washington. The population moved by about 10 people between 2020 and 2023, a 2.2% shift.

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

Nearby places

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