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.
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.
- Population: 3,761 residents; Mattawa is the 132nd-largest of 281 places in Washington (US Census Bureau, Vintage 2023).
- Population trend: Growth of about 12.6% across the 2020-to-2023 comparison.
- Net change: roughly 422 more people than the 2020 Census counted.
- Size percentile: Mattawa's 3,761 people outrank roughly 53% of the places in Washington.
- Density: the Census land area of 1.0 sq mi holds about 3,757 people per square mile.
- Land area: Mattawa covers 1.0 square miles, the 205th-largest area among Washington's 281 places.
- Share of state population: Mattawa's 3,761 residents are about 0.1% of Washington.
- National rank: Mattawa sits 5,616th by population among the 19,457 places in this dataset.
- Growth rank: Mattawa ranks 20th among Washington's 281 places for the 2020-to-2023 change.
- Against the state trend: Mattawa's 12.6% change compares with a Washington average of +2.8% across its 281 places.
- Density in Washington: Mattawa ranks 26th by people per square mile.
- Density in context: Mattawa's 3,757 people per square mile sit against a Washington median of 1,518.
- Location: coordinates 46.7364, -119.9053 (US Census Bureau Gazetteer).
- Nearest larger cities: Moxee (26 mi); Sunnyside (29 mi); Union Gap (31 mi); Selah (31 mi); Toppenish (31 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller towns: Royal City (18 mi); George (24 mi); Zillah (29 mi).
- Smaller neighbours: 14 places smaller than Mattawa sit within 50 miles.
- At 100 miles: 30 larger Census places fall inside that radius.
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.
| 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 |
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):
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Model the payment on the calculator before a lender models it for you.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Check the Washington regulator's records to confirm the lender is licensed here.
- Make sure the new payment leaves room in a budget you already keep.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
- 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.
Common questions
What are my options in Mattawa if my credit is poor?
What loan size can I expect in Mattawa?
Do I have to pledge anything to borrow in Mattawa?
Does comparing loans in Mattawa cost me credit score points?
Nearby places
- Royal City, WA — population 1,897
- George, WA — population 885
- Sunnyside, WA — population 16,264
- Granger, WA — population 3,700
- Grandview, WA — population 11,149
- Zillah, WA — population 3,122
- Quincy, WA — population 8,315
- Moxee, WA — population 4,827