Personal loans in Maple Valley, WA
A 2020-to-2023 comparison shows Maple Valley up by about 1.5%. With 28,434 residents, Maple Valley outranks about 85% of the communities in Washington.
If you are weighing a personal loan in Maple Valley, start from the payment you can carry; its 28,434 residents face the same statewide rules. If debt is already a strain, a nonprofit credit counsellor can help Maple Valley residents before they take on more. Which products a lender may offer to Maple Valley's 28,434 residents follows from the Washington consumer-lending framework. The closest larger city is Kent, WA about 8 miles away.
Borrowing in Maple Valley: the local picture
Read the local figures below as context; read the sourced Washington table as the rulebook a lender here must follow.
- Population: a Census-estimated 28,434, 41st among Washington's 281 places (Vintage 2023).
- Population trend: Roughly 1.5% more residents than the 2020 Census counted.
- People gained or lost: about 423 more since the 2020 base.
- Size percentile: Maple Valley's 28,434 people outrank roughly 85% of the places in Washington.
- Population density: about 4,736 people per square mile (Census land area 6.0 sq mi).
- Land area rank: Maple Valley's 6.0 square miles rank 83rd of 281 places in Washington.
- Water: Maple Valley holds about 0.18 square miles, the 87th-largest water area in Washington.
- Share of Washington: Maple Valley holds about 0.6% of the state's population, some 28,434 people.
- National standing: Maple Valley ranks 1,370th of 19,457 US places.
- Growth rank: Maple Valley's 2020-to-2023 change ranks 139th of 281 places in Washington.
- Versus Washington: the state average change is +2.8%, while Maple Valley moved 1.5%.
- Density in Washington: Maple Valley ranks 10th by people per square mile.
- Against the state median: Maple Valley runs about 4,736 residents per square mile, where the Washington median is 1,518.
- Location: 47.3671, -122.0348 (US Census Bureau Gazetteer).
- Nearest larger cities: Kent (8 mi); Auburn (9 mi); Renton (11 mi); Issaquah (12 mi); Des Moines (13 mi). Lenders licensed in the state serve Maple Valley whether or not they keep a local branch.
- Smaller communities close by: Covington (3 mi); Black Diamond (4 mi); Enumclaw (12 mi), each with its own Census population profile.
- Smaller places within 50 miles: 57 of them.
- Within 100 miles: 32 places are larger than Maple Valley.
Maple Valley's place among Washington's 281 places
Among Washington's 281 places, Maple Valley sits at 41st for population, a share of roughly 0.6% of the state. On the 2020-to-2023 trend, Maple Valley stands 139th among Washington's 281 places — roughly the 51th percentile. By density, at about 4,736 people per square mile, it ranks 10th in Washington. Within 50 miles sit 57 smaller Census places, alongside the 27 that are larger.
How personal loans work in Maple Valley
A Maple Valley personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 28,434 residents. Two numbers drive a Maple Valley loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Maple Valley loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
The Washington lending rules that reach Maple Valley
Every row below records a Washington rule, its publisher and its retrieval date — the same rules a Maple Valley lender must follow.
| 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 |
| 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 |
| Small-loan / installment lender licensing | Consumer Loan Company license required (Consumer Loan Act, RCW 31.04.035) Source says: No person may engage in any activity subject to this chapter without first obtaining and maintaining a license in accordance with this chapter. | Washington State Legislature (RCW) as of 2026-09-16 |
What is available to Maple Valley borrowers
With about 4,736 residents per square mile, Maple Valley is fairly dense, and 27 larger Census places sit within 50 miles. Lenders licensed in Washington reach Maple Valley's 28,434 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Kent, WA about 8 miles away.
Where Maple Valley sits
Inside Maple Valley's boundaries lie roughly 6.0 square miles of land and 0.18 square miles of water. With 28,434 residents, the land area yields roughly 4,736 people per square mile. The largest place in Washington, Seattle, lies about 23 miles away. Counting outward 50 miles, 27 larger communities surround Maple Valley. Within the same 50 miles lie 57 smaller Census places.
Common questions
What are my options in Maple Valley if my credit is poor?
What loan size can I expect in Maple Valley?
Do I have to pledge anything to borrow in Maple Valley?
Does comparing loans in Maple Valley cost me credit score points?
Nearby places
- Black Diamond, WA — population 6,602
- Covington, WA — population 21,125
- Enumclaw, WA — population 12,697
- Issaquah, WA — population 38,977
- Kent, WA — population 133,378
- Auburn, WA — population 83,870
- Renton, WA — population 104,491
- Buckley, WA — population 5,603