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.

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.

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.

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.

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
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
Small-loan / installment lender licensingConsumer 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.

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