Personal loans in Mountlake Terrace, WA

Verify the lender's Washington licence against the regulator named below before borrowing in Mountlake Terrace. Mountlake Terrace is home to roughly 21,516 people and stands 51st by size out of 281 Census places in Washington. Lenders active in Mountlake Terrace report to a Washington supervisor, identified in the sourced rows below. A 2020-to-2023 comparison shows Mountlake Terrace up by about 1.1%. The closest larger place is Lynnwood, WA about 2 miles away.

The Mountlake Terrace data picture

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

• Population: 21,516 people, a figure that places Mountlake Terrace 51st among the 281 Census places in Washington (US Census Bureau, Vintage 2023).
• Population trend: Roughly 1.1% more residents than the 2020 Census counted.
• Change in people: the 2020-to-2023 comparison is a gain of about 226 residents.
• Size percentile: about 82% of Washington communities are smaller than Mountlake Terrace (21,516 residents).
• Land and density: 4.1 square miles of land carry roughly 5,305 residents per square mile.
• Land area rank: Mountlake Terrace's 4.1 square miles rank 111th of 281 places in Washington.
• Water area rank: Mountlake Terrace ranks 109th among Washington's 281 places, with 0.10 sq mi.
• Share of state population: Mountlake Terrace's 21,516 residents are about 0.4% of Washington.
• National rank: Mountlake Terrace is 1,776th of 19,457 places nationwide.
• Growth rank: Mountlake Terrace ranks 155th among Washington's 281 places for the 2020-to-2023 change.
• State comparison: Washington's places average +2.8% for 2020-to-2023, against Mountlake Terrace's 1.1%.
• Density rank: Mountlake Terrace is the 3rd most densely settled place in Washington.
• Density vs Washington: Mountlake Terrace's 5,305 people per square mile compare with a state median of 1,518.
• Location: 47.7943, -122.3026 (Census Gazetteer coordinates).
• Nearest larger cities: Lynnwood (2 mi); Edmonds (3 mi); Shoreline (3 mi); Kenmore (4 mi); Bothell (5 mi). Living near a larger metro rarely changes what is available in Mountlake Terrace.
• Smaller communities within reach: Brier (1 mi); Lake Forest Park (2 mi); Woodway (4 mi).
• Within a 50-mile radius: 54 smaller Census places.
• Larger places within 100 miles: 37.

How a Mountlake Terrace personal loan is priced

Most loans made to Mountlake Terrace's 21,516 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Mountlake Terrace lender to disclose the APR and finance charge before you sign. Shortening the term on a Mountlake Terrace loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

What Washington law requires in Mountlake Terrace

Every row below records a Washington rule, its publisher and its retrieval date — the same rules a Mountlake Terrace lender must follow.

Where Mountlake Terrace sits

Mountlake Terrace covers about 4.1 square miles of land, with 0.10 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 5,305 people per square mile. The state's population centre of gravity, Seattle, is roughly 12 miles away. Counting outward 50 miles, 32 larger communities surround Mountlake Terrace. The 100-mile radius contains 37 larger places.

How Mountlake Terrace compares across Washington

Among Washington's 281 places, Mountlake Terrace sits at 51st for population, a share of roughly 0.4% of the state. For population change between 2020 and 2023, Mountlake Terrace ranks 155th of 281 in Washington (about the 45th percentile). By density, at about 5,305 people per square mile, it ranks 3rd in Washington. The population moved by about 226 people between 2020 and 2023, a 1.1% shift.

Getting a loan in Mountlake Terrace

With about 5,305 residents per square mile, Mountlake Terrace is densely built, and 32 larger Census places sit within 50 miles. What is available to Mountlake Terrace's 21,516 borrowers is set by Washington licensing and your own credit, not by how many branches are nearby. The nearest larger city, Lynnwood, WA about 2 miles away.