Personal loans in Latah, WA
The first question in Latah is not the rate on offer but whether the payment fits; about 174 people live here under Washington lending law. Latah lost roughly 2.2% of its population across the 2020-to-2023 comparison.
With an estimated 174 residents, Latah is the 271st-largest of 281 places in Washington. Decide the purpose of the loan and your repayment plan before sharing any details with a Latah lender. Rate ceilings, licensing requirements and product limits for Latah are all set at the Washington level. For a bigger market, look to Tekoa, WA about 6 miles away.
Latah by the numbers
Latah is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: the Census counts 174 residents in Latah (Vintage 2023 subcounty estimate), the 271st-largest figure among Washington's 281 places.
- Population trend: A decline of about 2.2% across the 2020-to-2023 comparison.
- Change in people: the 2020-to-2023 comparison is a loss of about 4 residents.
- Size percentile: about 4% of Washington's Census places are smaller than Latah.
- Density: roughly 544 residents per square mile, spread over 0.3 sq mi of land.
- By land area: Latah ranks 266th among Washington's 281 places, at 0.3 sq mi.
- Share of state population: Latah's 174 residents are about 0.0% of Washington.
- National standing: Latah ranks 16,886th of 19,457 US places.
- Growth rank: Latah's 2020-to-2023 change ranks 242nd of 281 places in Washington.
- Versus Washington: the state average change is +2.8%, while Latah moved 2.2%.
- Density rank: Latah places 255th among Washington's places by people per square mile.
- Against the state median: Latah runs about 544 residents per square mile, where the Washington median is 1,518.
- Location: 47.2821 / -117.1558, per the US Census Bureau Gazetteer.
- Nearest larger cities: Tekoa (6 mi); Fairfield (7 mi); Rosalia (11 mi); Oakesdale (11 mi); Rockford (12 mi). Larger metros often have more branches, but online lenders reach Latah on the same terms.
- Nearest smaller towns: Waverly (5 mi); Tensed (14 mi); Farmington (14 mi).
- Smaller places within 50 miles: 7 of them.
- At 100 miles: 108 larger Census places fall inside that radius.
Which Washington laws govern a loan in Latah
For the roughly 174 residents of Latah, 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 |
| 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 Latah
The Census Gazetteer records about 0.3 square miles of land within Latah, with no significant water area listed. With 174 residents, the land area yields roughly 544 people per square mile. For the state's biggest city, Seattle, the distance is roughly 244 miles. Latah has 46 larger places within a 50-mile radius. The 100-mile radius contains 108 larger places.
Where Latah sits in Washington
Within Washington, Latah holds roughly 0.0% of all residents, the 271st-largest share among 281 places. On the 2020-to-2023 trend, Latah stands 242nd among Washington's 281 places — roughly the 14th percentile. By density, at about 544 people per square mile, it ranks 255th in Washington. Between 2020 and 2023 the count changed by roughly 4 residents.
What a Latah borrower is actually offered
Most loans made to Latah's 174 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Latah's 174 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Latah loan but raises total interest, so the smallest payment is not the cheapest loan.
Borrowing reach in Latah
Latah is moderately settled, with about 544 people per square mile and 46 larger places within 50 miles. Whether Latah has a local branch or not, a Washington-licensed lender can serve its 174 people online on the same terms. For a larger market, the closest option is Tekoa, WA about 6 miles away.
Common questions
What are my options in Latah if my credit is poor?
What loan size can I expect in Latah?
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Does comparing loans in Latah cost me credit score points?
Nearby places
- Waverly, WA — population 120
- Tekoa, WA — population 805
- Fairfield, WA — population 590
- Rockford, WA — population 574
- Oakesdale, WA — population 392
- Farmington, WA — population 135
- Rosalia, WA — population 610
- Tensed, ID — population 94