Personal loans in Lamont, WA

Lamont: the sourced local profile

Read the local figures below as context; read the sourced Washington table as the rulebook a lender here must follow.

• Population: an estimated 81 residents, 280th of 281 places in Washington (Census Vintage 2023 subcounty estimate).
• Population trend: About 3.8% above the 2020 Census base.
• Absolute change: 3 residents added between 2020 and 2023.
• Size percentile: roughly 0% of Washington's places have fewer residents than Lamont's 81.
• Population density: about 279 people per square mile (Census land area 0.3 sq mi).
• Land area rank: Lamont's 0.3 square miles rank 271st of 281 places in Washington.
• Share of state population: Lamont's 81 residents are about 0.0% of Washington.
• National rank: Lamont is 18,469th of 19,457 places nationwide.
• Growth rank: Lamont's 2020-to-2023 change ranks 85th of 281 places in Washington.
• State comparison: Washington's places average +2.8% for 2020-to-2023, against Lamont's 3.8%.
• Density rank: Lamont is the 274th most densely settled place in Washington.
• Density in context: Lamont's 279 people per square mile sit against a Washington median of 1,518.
• Location: coordinates 47.2007, -117.9049 (US Census Bureau Gazetteer).
• Nearest larger cities: Sprague (8 mi); St. John (17 mi); Malden (20 mi); Endicott (21 mi); Ritzville (23 mi). Online lenders reach Lamont no matter how far the nearest branch is.
• Smaller communities within reach: Krupp (53 mi); State Line (53 mi); Reubens (89 mi).
• Smaller places within 50 miles: 0 of them.
• Within 100 miles: 130 places are larger than Lamont.

What is available to Lamont borrowers

At roughly 279 people per square mile, Lamont is lightly settled; 39 larger places lie within 50 miles. What is available to Lamont's 81 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 Sprague, WA about 8 miles away.

The Lamont borrowing checklist

These steps shape the offer you get in Lamont, a place of about 81 people:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Line up several pre-qualified offers and let the APR decide.
4. Check the Washington regulator's records to confirm the lender is licensed here.
5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
6. Read the disclosure for an origination fee and any prepayment penalty before signing.
7. Check that the monthly payment fits your budget next to your existing obligations.

The process is identical across Washington; what changes is your credit file, not the fact that Lamont holds 81 people.

How personal loans work in Lamont

Lamont is a small community of about 81 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Lamont lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Lamont loan is knowable in advance — unlike a revolving card balance.

Washington consumer-lending rules applied in Lamont

Below are the Washington rules that apply to a loan made in Lamont, each with the regulator that issued it.

Where Lamont sits

The Census Gazetteer records about 0.3 square miles of land within Lamont, with no significant water area listed. With 81 residents, the land area yields roughly 279 people per square mile. Seattle, the largest place in Washington, is about 210 miles from Lamont. Within 50 miles of Lamont there are 39 larger Census places. By land area it ranks 271st of 281 Washington places.