Personal loans in Othello, WA
Othello gained roughly 3.9% in population across the 2020-to-2023 comparison. For a borrower among the roughly 8,878 residents of Othello, a personal loan is a tool whose cost turns on the terms, not the address.
The Census counts 8,878 people in Othello, the 96th-largest figure among Washington's 281 places. The nearest larger metro is Moses Lake, WA about 22 miles away. Rate ceilings, licensing requirements and product limits for Othello are all set at the Washington level. Decide the purpose of the loan and your repayment plan before sharing any details with a Othello lender.
Othello by the numbers
The figures below are Othello's own — Census population, land area and coordinates — followed by the Washington rules.
- Population: 8,878 residents; Othello is the 96th-largest of 281 places in Washington (US Census Bureau, Vintage 2023).
- Population trend: A rise of about 3.9% from 2020 to 2023.
- Absolute change: 332 residents added between 2020 and 2023.
- Size percentile: Othello's 8,878 people outrank roughly 66% of the places in Washington.
- Population density: 1,852 people per square mile on 4.8 square miles of land.
- Land area rank: Othello's 4.8 square miles rank 97th of 281 places in Washington.
- Share of state population: Othello's 8,878 residents are about 0.2% of Washington.
- National rank: Othello is 3,415th of 19,457 places nationwide.
- Growth rank: Othello ranks 83rd among Washington's 281 places for the 2020-to-2023 change.
- Against the state trend: Othello's 3.9% change compares with a Washington average of +2.8% across its 281 places.
- Density in Washington: Othello ranks 114th by people per square mile.
- Against the state median: Othello runs about 1,852 residents per square mile, where the Washington median is 1,518.
- Location: it lies at 46.8238, -119.1631 in the Census Gazetteer.
- Nearest larger cities: Moses Lake (22 mi); West Richland (37 mi); Richland (38 mi); Pasco (39 mi); Kennewick (43 mi). Larger metros often have more branches, but online lenders reach Othello on the same terms.
- Nearest smaller towns: Warden (11 mi); Hatton (16 mi); Mesa (19 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 18 of them.
- Within 100 miles: 19 places are larger than Othello.
The state rulebook for Othello
Washington has no separate rate rule for Othello; the sourced rows below are what reach every lender that serves its 8,878 people.
| 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 |
The geography behind Othello
Othello covers about 4.8 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 1,852 people per square mile. Seattle, the largest place in Washington, is about 159 miles from Othello. Counting outward 50 miles, 5 larger communities surround Othello. By land area it ranks 97th of 281 Washington places.
What shapes a Othello personal loan
A Othello personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 8,878 residents. Two numbers drive a Othello loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Othello loan is knowable in advance — unlike a revolving card balance.
Othello against the rest of Washington
Set beside Washington's 281 places, Othello ranks 96th by population and holds about 0.2% of the state total. On the 2020-to-2023 trend, Othello stands 83rd among Washington's 281 places — roughly the 70th percentile. At about 1,852 people per square mile, Othello is the 114th most densely settled place in Washington. The population moved by about 332 people between 2020 and 2023, a 3.9% shift.
Borrowing reach in Othello
Othello is a moderately settled community of about 8,878 people, with 5 larger places inside a 50-mile radius. Whether Othello has a local branch or not, a Washington-licensed lender can serve its 8,878 people online on the same terms. The nearest larger city, Moses Lake, WA about 22 miles away.
Common questions
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Nearby places
- Warden, WA — population 2,667
- Mesa, WA — population 385
- Moses Lake, WA — population 26,299
- Hatton, WA — population 85
- Connell, WA — population 4,735
- Royal City, WA — population 1,897
- Richland, WA — population 63,757
- West Richland, WA — population 18,456