Personal loans in Medina, WA
Medina lost roughly 2.5% of its population across the 2020-to-2023 comparison. The first question in Medina is not the rate on offer but whether the payment fits; about 2,841 people live here under Washington lending law.
By population, Medina sits at 145th in Washington, with an estimated 2,841 residents. The closest larger place is Clyde Hill, WA about 1 miles away. To lend to Medina's 2,841 residents, a company must hold a Washington licence, and each sourced row below names the regulator behind it. Judge Medina offers on total cost, not on how quickly the money arrives.
Medina by the numbers
The figures below are Medina's own — Census population, land area and coordinates — followed by the Washington rules.
- Population: the Census counts 2,841 residents in Medina (Vintage 2023 subcounty estimate), the 145th-largest figure among Washington's 281 places.
- Population trend: About 2.5% below the 2020 Census base.
- Absolute change: 73 residents lost between 2020 and 2023.
- Size percentile: roughly 48% of Washington's places have fewer residents than Medina's 2,841.
- Population density: about 1,980 people per square mile (Census land area 1.4 sq mi).
- By land area: Medina ranks 173rd among Washington's 281 places, at 1.4 sq mi.
- Water: Medina holds about 3.39 square miles, the 17th-largest water area in Washington.
- Within Washington: about 0.1% of the state's population lives in Medina.
- National standing: Medina ranks 6,444th of 19,457 US places.
- Growth rank: Medina ranks 252nd among Washington's 281 places for the 2020-to-2023 change.
- Versus Washington: the state average change is +2.8%, while Medina moved 2.5%.
- Density rank: Medina is the 103rd most densely settled place in Washington.
- Against the state median: Medina runs about 1,980 residents per square mile, where the Washington median is 1,518.
- Location: 47.6265, -122.2429 (US Census Bureau Gazetteer).
- Nearest larger cities: Clyde Hill (1 mi); Mercer Island (4 mi); Bellevue (4 mi); Seattle (5 mi); Kirkland (5 mi). Online lenders reach Medina no matter how far the nearest branch is.
- Nearest smaller towns: Hunts Point (1 mi); Yarrow Point (2 mi); Beaux Arts Village (3 mi).
- Smaller neighbours: 15 places smaller than Medina sit within 50 miles.
- At 100 miles: 95 larger Census places fall inside that radius.
A practical checklist for Medina borrowers
These steps shape the offer you get in Medina, a place of about 2,841 people:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Look the lender up in the Washington regulator's licence records before you sign.
- Decide the purpose and how you will repay it before approaching any lender.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
In Medina as elsewhere in Washington, the written terms — not the advertisement — are what count for its 2,841 residents.
The anatomy of a Medina personal loan
Most loans made to Medina's 2,841 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Medina. Because the payment is fixed, the total cost of a Medina loan is knowable in advance — unlike a revolving card balance.
Getting a loan in Medina
Medina is a moderately settled community of about 2,841 people, with 71 larger places inside a 50-mile radius. Distance to a branch rarely matters for Medina's 2,841 residents: the application is online and the price follows your credit file. The nearest bigger place is Clyde Hill, WA about 1 miles away.
Washington rules behind a Medina personal loan
The rows below set out what a licensed lender must follow in Washington, and so for Medina's roughly 2,841 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 |
| 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 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 |
Land, water and location for Medina
The Census Gazetteer records 1.4 square miles of land and 3.39 square miles of water within Medina. That land carries about 1,980 people per square mile. The largest place in Washington, Seattle, lies about 5 miles away. Counting outward 50 miles, 71 larger communities surround Medina. The 100-mile radius contains 95 larger places.
Common questions
What are my options in Medina if my credit is poor?
What loan size can I expect in Medina?
Do I have to pledge anything to borrow in Medina?
Does comparing loans in Medina cost me credit score points?
Nearby places
- Hunts Point, WA — population 446
- Clyde Hill, WA — population 3,077
- Yarrow Point, WA — population 1,105
- Beaux Arts Village, WA — population 304
- Mercer Island, WA — population 24,742
- Kirkland, WA — population 91,194
- Bellevue, WA — population 151,574
- Seattle, WA — population 755,078