Personal loans in Kittitas, WA
From the 2020 Census base to the 2023 estimate, the population rose by about 0.1%. Two households in Kittitas with comparable incomes can still be offered different rates; the city's 1,439 residents are not the reason.
Kittitas is one of 281 Census places in Washington; its 1,439 residents put it at 187th. The nearest larger city is Ellensburg, WA about 6 miles away. Every figure below is Washington's own, applied to Kittitas's 1,439 residents, with the publisher and retrieval date attached. If debt is already a strain, a nonprofit credit counsellor can help Kittitas residents before they take on more.
What the Census records for Kittitas
Here is the sourced Census picture for Kittitas, plus the Washington lending rules that apply to a loan taken out here.
- Population: the Census counts 1,439 residents in Kittitas (Vintage 2023 subcounty estimate), the 187th-largest figure among Washington's 281 places.
- Population trend: Growth of about 0.1% across the 2020-to-2023 comparison.
- People gained or lost: about 1 more since the 2020 base.
- Size percentile: about 33% of Washington's Census places are smaller than Kittitas.
- Population density: 1,843 people per square mile on 0.8 square miles of land.
- Land area: Kittitas covers 0.8 square miles, the 222nd-largest area among Washington's 281 places.
- Within Washington: about 0.0% of the state's population lives in Kittitas.
- National rank: Kittitas is 8,840th of 19,457 places nationwide.
- Growth rank: Kittitas ranks 177th among Washington's 281 places for the 2020-to-2023 change.
- Versus Washington: the state average change is +2.8%, while Kittitas moved 0.1%.
- Density in Washington: Kittitas ranks 115th by people per square mile.
- Against the state median: Kittitas runs about 1,843 residents per square mile, where the Washington median is 1,518.
- Location: 46.9837 / -120.4189, per the US Census Bureau Gazetteer.
- Nearest larger cities: Ellensburg (6 mi); Selah (24 mi); Tieton (25 mi); Yakima (28 mi); Moxee (29 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller places nearby: Naches (22 mi); George (27 mi); South Cle Elum (29 mi).
- Smaller neighbours: 7 places smaller than Kittitas sit within 50 miles.
- Larger places within 100 miles: 86.
Kittitas's place among Washington's 281 places
Kittitas is the 187th-largest of 281 Census places in Washington and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Kittitas stands 177th among Washington's 281 places — roughly the 37th percentile. At about 1,843 people per square mile, Kittitas is the 115th most densely settled place in Washington. By land area, its 0.8 square miles rank 222nd of 281 places in Washington.
Steps to take before a Kittitas loan
A sensible order of operations for a loan in Kittitas, home to about 1,439 people:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Shop at least three lenders and judge them on APR and total cost.
- Confirm the Washington licence with the regulator named above before committing.
- Borrow only what the purpose requires, not the maximum you are offered.
- Decide the purpose and how you will repay it before approaching any lender.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
In Kittitas as elsewhere in Washington, the written terms — not the advertisement — are what count for its 1,439 residents.
Lender access in Kittitas
With about 1,843 residents per square mile, Kittitas is moderately settled, and 20 larger Census places sit within 50 miles. Whether Kittitas has a local branch or not, a Washington-licensed lender can serve its 1,439 people online on the same terms. The nearest bigger place is Ellensburg, WA about 6 miles away.
What Washington law requires in Kittitas
Below are the Washington rules that apply to a loan made in Kittitas, each with the regulator that issued it.
| 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 |
Land, water and location for Kittitas
The Census Gazetteer records about 0.8 square miles of land within Kittitas, with no significant water area listed. That land carries about 1,843 people per square mile. The largest place in Washington, Seattle, lies about 101 miles away. Counting outward 50 miles, 20 larger communities surround Kittitas. The 100-mile radius contains 86 larger places.
Common questions
What are my options in Kittitas if my credit is poor?
What loan size can I expect in Kittitas?
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Nearby places
- Ellensburg, WA — population 18,694
- Selah, WA — population 8,571
- Naches, WA — population 1,080
- Yakima, WA — population 96,750
- Moxee, WA — population 4,827
- Union Gap, WA — population 6,439
- Tieton, WA — population 1,638
- East Wenatchee, WA — population 14,102