Personal loans in La Conner, WA
Rate ceilings, licensing requirements and product limits for La Conner are all set at the Washington level. The Census counts 982 people in La Conner, the 206th-largest figure among Washington's 281 places.
La Conner, Washington — home to about 982 people — is a small community, so the terms you are offered follow Washington law rather than any local rule. The trend for La Conner between 2020 and 2023 is upward by roughly 1.7%. Verify the lender's Washington licence against the regulator named below before borrowing in La Conner. Borrowers who want a bigger city can look to Mount Vernon, WA about 9 miles away.
Where La Conner stands
Set out below is La Conner's local context next to the state-level rules that reach every lender here.
- Population: 982 — La Conner ranks 206th of 281 communities in Washington (US Census Bureau, Vintage 2023).
- Population trend: A rise of about 1.7% from 2020 to 2023.
- People gained or lost: about 16 more since the 2020 base.
- Size percentile: roughly 27% of Washington's places have fewer residents than La Conner's 982.
- Land and density: 0.4 square miles of land carry roughly 2,467 residents per square mile.
- Land area rank: La Conner's 0.4 square miles rank 254th of 281 places in Washington.
- Water area: La Conner has 0.08 square miles of water, ranking 114th of 281 places in Washington.
- State population share: La Conner accounts for about 0.0% of everyone in Washington.
- National standing: La Conner ranks 10,286th of 19,457 US places.
- Growth rank: La Conner's 2020-to-2023 change ranks 132nd of 281 places in Washington.
- Versus Washington: the state average change is +2.8%, while La Conner moved 1.7%.
- Density in Washington: La Conner ranks 79th by people per square mile.
- Density vs Washington: La Conner's 2,467 people per square mile compare with a state median of 1,518.
- Location: coordinates 48.3926, -122.4945 (US Census Bureau Gazetteer).
- Nearest larger cities: Mount Vernon (9 mi); Anacortes (9 mi); Burlington (9 mi); Oak Harbor (9 mi); Stanwood (12 mi). Living near a larger metro rarely changes what is available in La Conner.
- Nearest smaller towns: Lyman (22 mi); Hamilton (25 mi); Concrete (35 mi).
- Smaller places within 50 miles: 3 of them.
- Larger places within 100 miles: 97.
The anatomy of a La Conner personal loan
In La Conner, a small community of about 982, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in La Conner. The term you choose in La Conner decides the split between a comfortable payment and the total interest you pay.
The Washington lending rules that reach La Conner
For the roughly 982 residents of La Conner, the rules below are Washington's own; each row carries its publisher and retrieval date.
| 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 |
Getting a loan in La Conner
With about 2,467 residents per square mile, La Conner is fairly dense, and 42 larger Census places sit within 50 miles. What is available to La Conner's 982 borrowers is set by Washington licensing and your own credit, not by how many branches are nearby. The nearest larger city, Mount Vernon, WA about 9 miles away.
How La Conner compares across Washington
Set beside Washington's 281 places, La Conner ranks 206th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, La Conner stands 132nd among Washington's 281 places — roughly the 53th percentile. Its roughly 2,467 residents per square mile place it 79th among Washington's places. The population moved by about 16 people between 2020 and 2023, a 1.7% shift.
Where La Conner sits
La Conner's land area is about 0.4 square miles; a further 0.08 square miles is water. With 982 residents, the land area yields roughly 2,467 people per square mile. For the state's biggest city, Seattle, the distance is roughly 54 miles. A 50-mile radius around La Conner takes in 42 places that are larger. By land area it ranks 254th of 281 Washington places.
Common questions
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Nearby places
- Anacortes, WA — population 18,012
- Oak Harbor, WA — population 24,016
- Burlington, WA — population 10,358
- Mount Vernon, WA — population 35,259
- Stanwood, WA — population 9,016
- Coupeville, WA — population 1,928
- Sedro-Woolley, WA — population 12,940
- Bellingham, WA — population 94,720