Personal loans in Lake Stevens, WA

Lake Stevens ranks 31st of 281 places in Washington, with a population near 40,521. The next larger city is Everett, WA about 5 miles away. State law, not city hall, decides what a lender may do to Lake Stevens's roughly 40,521 residents, and a state regulator supervises it. Rate-shopping from Lake Stevens costs nothing at pre-qualification, where a soft pull leaves your credit file alone.

Borrowing in Lake Stevens: the local picture

The figures below are Lake Stevens's own — Census population, land area and coordinates — followed by the Washington rules.

• Population: 40,521 people, a figure that places Lake Stevens 31st among the 281 Census places in Washington (US Census Bureau, Vintage 2023).
• Population trend: A rise of about 4.1% from 2020 to 2023.
• People gained or lost: about 1,583 more since the 2020 base.
• Size percentile: Lake Stevens's 40,521 people outrank roughly 89% of the places in Washington.
• Land and density: 10.2 square miles of land carry roughly 3,988 residents per square mile.
• Land area rank: Lake Stevens's 10.2 square miles rank 44th of 281 places in Washington.
• Water: Lake Stevens holds about 1.56 square miles, the 30th-largest water area in Washington.
• State share: roughly 0.8% of Washington's residents live in Lake Stevens (40,521 people).
• Nationally: Lake Stevens is the 982nd-largest of 19,457 Census places in the dataset.
• Growth in Washington: Lake Stevens stands 81st by percentage change from 2020 to 2023, among 281 places.
• State comparison: Washington's places average +2.8% for 2020-to-2023, against Lake Stevens's 4.1%.
• Density rank: Lake Stevens is the 20th most densely settled place in Washington.
• Density in context: Lake Stevens's 3,988 people per square mile sit against a Washington median of 1,518.
• Location: coordinates 48.0034, -122.0968 (US Census Bureau Gazetteer).
• Nearest larger cities: Everett (5 mi); Marysville (6 mi); Lynnwood (15 mi); Bothell (17 mi); Edmonds (18 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller communities within reach: Snohomish (5 mi); Granite Falls (8 mi); Mill Creek (11 mi).
• Smaller places within 50 miles: 53 of them.
• Larger places within 100 miles: 23.

How lenders reach Lake Stevens

At roughly 3,988 people per square mile, Lake Stevens is fairly dense; 17 larger places lie within 50 miles. What is available to Lake Stevens's 40,521 borrowers is set by Washington licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Everett, WA about 5 miles away.

Lake Stevens's place among Washington's 281 places

Set beside Washington's 281 places, Lake Stevens ranks 31st by population and holds about 0.8% of the state total. For population change between 2020 and 2023, Lake Stevens ranks 81st of 281 in Washington (about the 71th percentile). Its roughly 3,988 residents per square mile place it 20th among Washington's places. The population moved by about 1,583 people between 2020 and 2023, a 4.1% shift.

Land, water and location for Lake Stevens

Lake Stevens covers about 10.2 square miles of land, with 1.56 square miles of water inside its boundaries (Census Gazetteer). With 40,521 residents, the land area yields roughly 3,988 people per square mile. The largest place in Washington, Seattle, lies about 29 miles away. Counting outward 50 miles, 17 larger communities surround Lake Stevens. The 100-mile radius contains 23 larger places.

How personal loans work in Lake Stevens

A Lake Stevens personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 40,521 residents. A lender serving Lake Stevens's 40,521 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Lake Stevens decides the split between a comfortable payment and the total interest you pay.

Washington rules behind a Lake Stevens personal loan

This table holds the Washington rate and licensing rules for consumer loans made to Lake Stevens's 40,521 residents.