Personal loans in Mattawa, WA

Two households in Mattawa with comparable incomes can still be offered different rates; the city's 3,761 residents are not the reason. Mattawa is home to roughly 3,761 people and stands 132nd by size out of 281 Census places 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.

For a bigger market, look to Moxee, WA about 26 miles away. Mattawa gained roughly 12.6% in population across the 2020-to-2023 comparison. A single loan can carry different costs on either side of a state line, and Mattawa sits on the Washington side of that line. If debt is already a strain, a nonprofit credit counsellor can help Mattawa residents before they take on more.

Mattawa by the numbers

Read the local figures below as context; read the sourced Washington table as the rulebook a lender here must follow.

Washington consumer-lending rules applied in Mattawa

This table holds the Washington rate and licensing rules for consumer loans made to Mattawa's 3,761 residents.

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

Mattawa on the map

Mattawa's land area is roughly 1.0 square miles, and the Gazetteer records no significant water area within it. That land carries about 3,757 people per square mile. For the state's biggest city, Seattle, the distance is roughly 130 miles. Within 50 miles of Mattawa there are 17 larger Census places. The 100-mile radius contains 30 larger places.

Mattawa against the rest of Washington

Among Washington's 281 places, Mattawa sits at 132nd for population, a share of roughly 0.1% of the state. On the 2020-to-2023 trend, Mattawa stands 20th among Washington's 281 places — roughly the 93th percentile. At about 3,757 people per square mile, Mattawa is the 26th most densely settled place in Washington. The population moved by about 422 people between 2020 and 2023, a 12.6% shift.

A practical checklist for Mattawa borrowers

Complete these steps first when you borrow in Mattawa (3,761 residents):

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Model the payment on the calculator before a lender models it for you.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Check the Washington regulator's records to confirm the lender is licensed here.
  5. Make sure the new payment leaves room in a budget you already keep.
  6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

The process is identical across Washington; what changes is your credit file, not the fact that Mattawa holds 3,761 people.

Getting a loan in Mattawa

Mattawa is fairly dense, with about 3,757 people per square mile and 17 larger places within 50 miles. What is available to Mattawa's 3,761 borrowers is set by Washington licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Moxee, WA about 26 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 Mattawa 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 Mattawa is the same as anywhere in Washington.
What loan size can I expect in Mattawa?
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 Mattawa?
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 Mattawa 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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