Personal loans in Soap Lake, WA
Soap Lake is home to roughly 1,744 people and stands 176th by size out of 281 Census places in Washington. The trend for Soap Lake between 2020 and 2023 is upward by roughly 2.8%.
If you are weighing a personal loan in Soap Lake, start from the payment you can carry; its 1,744 residents face the same statewide rules. Lenders active in Soap Lake report to a Washington supervisor, identified in the sourced rows below. Decide the purpose of the loan and your repayment plan before sharing any details with a Soap Lake lender. Borrowers who want a bigger city can look to Ephrata, WA about 6 miles away.
Soap Lake by the numbers
Set out below is Soap Lake's local context next to the state-level rules that reach every lender here.
- Population: a Census-estimated 1,744, 176th among Washington's 281 places (Vintage 2023).
- Population trend: A gain of roughly 2.8% between 2020 and 2023.
- People gained or lost: about 47 more since the 2020 base.
- Size percentile: roughly 37% of Washington places rank below Soap Lake.
- Density: roughly 1,135 residents per square mile, spread over 1.5 sq mi of land.
- Land area rank: Soap Lake's 1.5 square miles rank 166th of 281 places in Washington.
- Water area: Soap Lake has 0.07 square miles of water, ranking 123rd of 281 places in Washington.
- State population share: Soap Lake accounts for about 0.0% of everyone in Washington.
- Nationally: Soap Lake is the 8,139th-largest of 19,457 Census places in the dataset.
- Growth rank: Soap Lake's 2020-to-2023 change ranks 106th of 281 places in Washington.
- Against the state trend: Soap Lake's 2.8% change compares with a Washington average of +2.8% across its 281 places.
- Density in Washington: Soap Lake ranks 184th by people per square mile.
- Density in context: Soap Lake's 1,135 people per square mile sit against a Washington median of 1,518.
- Location: mapped by the US Census Bureau at 47.3911, -119.4846.
- Nearest larger cities: Ephrata (6 mi); Quincy (20 mi); Moses Lake (21 mi); Royal City (34 mi); Warden (36 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller communities within reach: Wilson Creek (17 mi); Coulee City (18 mi); Krupp (23 mi).
- Smaller neighbours: 17 places smaller than Soap Lake sit within 50 miles.
- Within 100 miles: 41 places are larger than Soap Lake.
What is available to Soap Lake borrowers
Soap Lake is moderately settled, with about 1,135 people per square mile and 12 larger places within 50 miles. Distance to a branch rarely matters for Soap Lake's 1,744 residents: the application is online and the price follows your credit file. The nearest bigger place is Ephrata, WA about 6 miles away.
Land, water and location for Soap Lake
Soap Lake's land area is about 1.5 square miles; a further 0.07 square miles is water. The resulting density is about 1,135 people per square mile. The state's population centre of gravity, Seattle, is roughly 135 miles away. A 50-mile radius around Soap Lake takes in 12 places that are larger. By land area it ranks 166th of 281 Washington places.
Which Washington laws govern a loan in Soap Lake
For the roughly 1,744 residents of Soap Lake, the rules below are Washington's own; each row carries its publisher and retrieval date.
| 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 |
| 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 |
| Small-loan / installment lender licensing | Consumer Loan Company license required (Consumer Loan Act, RCW 31.04.035) Source says: No person may engage in any activity subject to this chapter without first obtaining and maintaining a license in accordance with this chapter. | Washington State Legislature (RCW) as of 2026-09-16 |
Soap Lake in state context
Set beside Washington's 281 places, Soap Lake ranks 176th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Soap Lake stands 106th among Washington's 281 places — roughly the 62th percentile. At about 1,135 people per square mile, Soap Lake is the 184th most densely settled place in Washington. The population moved by about 47 people between 2020 and 2023, a 2.8% shift.
Inside a Soap Lake personal loan
With roughly 1,744 residents, Soap Lake is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Soap Lake loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Soap Lake loan but raises total interest, so the smallest payment is not the cheapest loan.
Common questions
What are my options in Soap Lake if my credit is poor?
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Nearby places
- Ephrata, WA — population 8,665
- Coulee City, WA — population 551
- Moses Lake, WA — population 26,299
- Wilson Creek, WA — population 202
- Quincy, WA — population 8,315
- Mansfield, WA — population 328
- Hartline, WA — population 177
- George, WA — population 885