Personal loans in Sprague, WA

Work out your debt-to-income ratio first; lenders weigh it heavily, and Sprague's 526 residents are no exception. Sprague ranks 237th of 281 places in Washington, with a population near 526. Rate ceilings, licensing requirements and product limits for Sprague are all set at the Washington level. Sprague gained roughly 5.0% in population across the 2020-to-2023 comparison. For a bigger market, look to Cheney, WA about 22 miles away.

Where Sprague stands

Sprague is a small community; the notes below cover its population profile and the statewide rules that apply.

• Population: an estimated 526 residents, 237th of 281 places in Washington (Census Vintage 2023 subcounty estimate).
• Population trend: A gain of roughly 5.0% between 2020 and 2023.
• People gained or lost: about 25 more since the 2020 base.
• Size percentile: bigger than about 16% of the places in Washington, with 526 residents in Sprague.
• Density: the Census land area of 1.1 sq mi holds about 500 people per square mile.
• Land area rank: Sprague's 1.1 square miles rank 201st of 281 places in Washington.
• State share: roughly 0.0% of Washington's residents live in Sprague (526 people).
• National rank: Sprague is 12,962nd of 19,457 places nationwide.
• Growth rank: Sprague's 2020-to-2023 change ranks 59th of 281 places in Washington.
• Versus Washington: the state average change is +2.8%, while Sprague moved 5.0%.
• Density rank: Sprague places 258th among Washington's places by people per square mile.
• Density vs Washington: Sprague's 500 people per square mile compare with a state median of 1,518.
• Location: 47.3049, -117.9713 (Census Gazetteer coordinates).
• Nearest larger cities: Cheney (22 mi); Medical Lake (23 mi); Ritzville (23 mi); St. John (23 mi); Reardan (26 mi). Larger metros often have more branches, but online lenders reach Sprague on the same terms.
• Nearest smaller towns: Lamont (8 mi); Harrington (18 mi); Malden (24 mi) — useful context for the surrounding area.
• Within a 50-mile radius: 15 smaller Census places.
• Within 100 miles: 84 places are larger than Sprague.

The Washington lending rules that reach Sprague

This table holds the Washington rate and licensing rules for consumer loans made to Sprague's 526 residents.

How lenders reach Sprague

Sprague is moderately settled, with about 500 people per square mile and 20 larger places within 50 miles. Lenders licensed in Washington reach Sprague's 526 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Cheney, WA about 22 miles away.

Land, water and location for Sprague

The Census Gazetteer records about 1.1 square miles of land within Sprague, with no significant water area listed. Spread across it are roughly 500 residents per square mile. For the state's biggest city, Seattle, the distance is roughly 206 miles. Counting outward 50 miles, 20 larger communities surround Sprague. Within the same 50 miles lie 15 smaller Census places.

Where Sprague sits in Washington

Sprague is the 237th-largest of 281 Census places in Washington and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Sprague stands 59th among Washington's 281 places — roughly the 79th percentile. Its roughly 500 residents per square mile place it 258th among Washington's places. The population moved by about 25 people between 2020 and 2023, a 5.0% shift.

Steps to take before a Sprague loan

These steps shape the offer you get in Sprague, a place of about 526 people:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Test your amount and term in the personal loan calculator first.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Make sure the lender appears in the Washington regulator's licence list.
5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
6. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Check that the monthly payment fits your budget next to your existing obligations.

In Sprague as elsewhere in Washington, the written terms — not the advertisement — are what count for its 526 residents.