Personal loans in Mansfield, WA

With an estimated 328 residents, Mansfield is the 252nd-largest of 281 places in Washington. Census data show virtually no population shift in Mansfield between 2020 and 2023.

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.

Mansfield is a small community in Washington, with an estimated 328 residents, and every licensed lender here follows the same state rulebook. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Mansfield's 328 residents. Verify the lender's Washington licence against the regulator named below before borrowing in Mansfield. The closest larger city is Bridgeport, WA about 14 miles away.

Mansfield by the numbers

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

Where Mansfield sits

Mansfield's land area is roughly 0.3 square miles, and the Gazetteer records no significant water area within it. With 328 residents, the land area yields roughly 1,012 people per square mile. The state's population centre of gravity, Seattle, is roughly 127 miles away. A 50-mile radius around Mansfield takes in 23 places that are larger. By land area it ranks 265th of 281 Washington places.

Lender access in Mansfield

With about 1,012 residents per square mile, Mansfield is moderately settled, and 23 larger Census places sit within 50 miles. A Washington licence lets a lender serve Mansfield without a local office, so branch density does not change what its 328 residents are offered. For a larger market, the closest option is Bridgeport, WA about 14 miles away.

Steps to take before a Mansfield loan

Before you apply in Mansfield, a community of about 328, work through these steps:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Test your amount and term in the personal loan calculator first.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Make sure the lender appears in the Washington regulator's licence list.
  5. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  6. Borrow only what the purpose requires, not the maximum you are offered.
  7. Decide the purpose and how you will repay it before approaching any lender.

None of these steps is Mansfield-specific: the same Washington licensing and disclosure rules reach all 328 residents.

Mansfield in state context

Within Washington, Mansfield holds roughly 0.0% of all residents, the 252nd-largest share among 281 places. Its 2020-to-2023 change ranks 181st of 281 Washington places, putting it near the 36th percentile for growth. Its roughly 1,012 residents per square mile place it 197th among Washington's places. The population moved by about 0 people between 2020 and 2023, a 0.0% shift.

Which Washington laws govern a loan in Mansfield

Every row below records a Washington rule, its publisher and its retrieval date — the same rules a Mansfield lender must follow.

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

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 Mansfield 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 Mansfield is the same as anywhere in Washington.
What loan size can I expect in Mansfield?
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 Mansfield?
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 Mansfield 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.

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