Personal loans in Moses Lake, WA

The Census counts 26,299 people in Moses Lake, the 44th-largest figure among Washington's 281 places. Moses Lake gained roughly 4.1% in population across the 2020-to-2023 comparison. To lend to Moses Lake's 26,299 residents, a company must hold a Washington licence, and each sourced row below names the regulator behind it. Begin with the payment, then weigh APR and total interest across the lenders that reach Moses Lake's 26,299 residents. The nearest larger city is Wenatchee, WA about 54 miles away.

Local context for Moses Lake

Two layers matter for a Moses Lake borrower: the local population picture and Washington's consumer-lending statutes.

• Population: about 26,299, ranked 44th of 281 places in Washington (Census Vintage 2023 subcounty estimate).
• Population trend: Growth of about 4.1% across the 2020-to-2023 comparison.
• Absolute change: 1,029 residents added between 2020 and 2023.
• Size percentile: Moses Lake's 26,299 people outrank roughly 84% of the places in Washington.
• Density: roughly 1,450 residents per square mile, spread over 18.1 sq mi of land.
• Land area: Moses Lake covers 18.1 square miles, the 24th-largest area among Washington's 281 places.
• Water: Moses Lake holds about 2.96 square miles, the 20th-largest water area in Washington.
• Share of state population: Moses Lake's 26,299 residents are about 0.5% of Washington.
• National rank: Moses Lake is the 1,487th most populous of the 19,457 Census places covered here.
• Growth rank: Moses Lake's 2020-to-2023 change ranks 79th of 281 places in Washington.
• State comparison: Washington's places average +2.8% for 2020-to-2023, against Moses Lake's 4.1%.
• Density in Washington: Moses Lake ranks 150th by people per square mile.
• Density vs Washington: Moses Lake's 1,450 people per square mile compare with a state median of 1,518.
• Location: mapped by the US Census Bureau at 47.1279, -119.2764.
• Nearest larger cities: Wenatchee (54 mi); Richland (58 mi); Pasco (60 mi); Kennewick (64 mi); Yakima (71 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Nearest smaller places: Warden (15 mi); Ephrata (18 mi); Soap Lake (21 mi).
• Within a 50-mile radius: 21 smaller Census places.
• At 100 miles: 7 larger Census places fall inside that radius.

How Moses Lake compares across Washington

Moses Lake is the 44th-largest of 281 Census places in Washington and contains about 0.5% of the state's people. For population change between 2020 and 2023, Moses Lake ranks 79th of 281 in Washington (about the 72th percentile). By density, at about 1,450 people per square mile, it ranks 150th in Washington. By land area, its 18.1 square miles rank 24th of 281 places in Washington.

What to do before borrowing in Moses Lake

Before you apply in Moses Lake, a community of about 26,299, work through these steps:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Model the payment on the calculator before a lender models it for you.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Confirm the Washington licence with the regulator named above before committing.
5. Choose a term you can live with; stretching it lowers the payment but raises total interest.
6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
7. Write down the purpose of the loan and your repayment plan before you apply.

What differs between Moses Lake and the rest of Washington is not the process but the borrower's own file, among the 26,299 people here.

What Washington law requires in Moses Lake

Below are the Washington rules that apply to a loan made in Moses Lake, each with the regulator that issued it.

Borrowing reach in Moses Lake

With about 1,450 residents per square mile, Moses Lake is moderately settled, and 0 larger Census places sit within 50 miles. What is available to Moses Lake's 26,299 borrowers is set by Washington licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Wenatchee, WA about 54 miles away.

The anatomy of a Moses Lake personal loan

Moses Lake is a smaller city of about 26,299 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Moses Lake loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Moses Lake decides the split between a comfortable payment and the total interest you pay.