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.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

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.

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.

RuleDetailSource
State lending regulatorWashington 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 statusLicensed; 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.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Latah if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Latah is the same as anywhere in Washington.
What loan size can I expect in Latah?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Latah?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Latah cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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