Personal loans in Raymond, WA

The Raymond data picture

Here is the sourced Census picture for Raymond, plus the Washington lending rules that apply to a loan taken out here.

• Population: 3,227 people, a figure that places Raymond 139th among the 281 Census places in Washington (US Census Bureau, Vintage 2023).
• Population trend: About 4.6% above the 2020 Census base.
• Net change: roughly 143 more people than the 2020 Census counted.
• Size percentile: about 51% of Washington communities are smaller than Raymond (3,227 residents).
• Population density: about 786 people per square mile across 4.1 square miles of land (Census Gazetteer area, Vintage 2023 population).
• By land area: Raymond ranks 110th among Washington's 281 places, at 4.1 sq mi.
• Water area: Raymond has 0.60 square miles of water, ranking 51st of 281 places in Washington.
• Within Washington: about 0.1% of the state's population lives in Raymond.
• National rank: Raymond is 6,045th of 19,457 places nationwide.
• Growth rank: Raymond ranks 67th among Washington's 281 places for the 2020-to-2023 change.
• State comparison: Washington's places average +2.8% for 2020-to-2023, against Raymond's 4.6%.
• Density rank: Raymond places 225th among Washington's places by people per square mile.
• Against the state median: Raymond runs about 786 residents per square mile, where the Washington median is 1,518.
• Location: mapped by the US Census Bureau at 46.6837, -123.7395.
• Nearest larger cities: Aberdeen (20 mi); Hoquiam (22 mi); Montesano (24 mi); Elma (27 mi); Ocean Shores (27 mi). Larger metros often have more branches, but online lenders reach Raymond on the same terms.
• Nearest smaller towns: South Bend (3 mi); Cosmopolis (19 mi); Pe Ell (22 mi) — useful context for the surrounding area.
• Within a 50-mile radius: 18 smaller Census places.
• Within 100 miles: 74 places are larger than Raymond.

What Washington law requires in Raymond

For the roughly 3,227 residents of Raymond, the rules below are Washington's own; each row carries its publisher and retrieval date.

Raymond's place among Washington's 281 places

Among Washington's 281 places, Raymond sits at 139th for population, a share of roughly 0.1% of the state. For population change between 2020 and 2023, Raymond ranks 67th of 281 in Washington (about the 76th percentile). Its roughly 786 residents per square mile place it 225th among Washington's places. Between 2020 and 2023 the count changed by roughly 143 residents.

What shapes a Raymond personal loan

In Raymond, a small community of about 3,227, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Raymond's 3,227 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Raymond loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Borrowing reach in Raymond

Raymond is moderately settled, with about 786 people per square mile and 13 larger places within 50 miles. Whether Raymond has a local branch or not, a Washington-licensed lender can serve its 3,227 people online on the same terms. The nearest larger city, Aberdeen, WA about 20 miles away.

A practical checklist for Raymond borrowers

Complete these steps first when you borrow in Raymond (3,227 residents):

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Line up several pre-qualified offers and let the APR decide.
4. Verify the lender's Washington licence with the regulator listed on this page.
5. Look for an origination fee or prepayment penalty in the written disclosure.
6. Make sure the new payment leaves room in a budget you already keep.
7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

In Raymond as elsewhere in Washington, the written terms — not the advertisement — are what count for its 3,227 residents.