Personal loans in Starbuck, WA

At about 137 residents, Starbuck is larger than roughly 2% of the places in Washington. Starbuck gained roughly 14.2% in population across the 2020-to-2023 comparison.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

A personal loan in Starbuck is priced from your credit file and income, not from the fact that the city holds 137 people. Which products a lender may offer to Starbuck's 137 residents follows from the Washington consumer-lending framework. Decide the purpose of the loan and your repayment plan before sharing any details with a Starbuck lender. Borrowers who want a bigger city can look to Dayton, WA about 16 miles away.

Local context for Starbuck

What follows is Starbuck's place in the Census record, alongside the Washington rules that govern a personal loan made here.

Washington rules behind a Starbuck personal loan

Washington has no separate rate rule for Starbuck; the sourced rows below are what reach every lender that serves its 137 people.

RuleDetailSource
State lending regulatorWashington 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
Small-loan / installment lender licensingConsumer 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
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

Getting a loan in Starbuck

At roughly 695 people per square mile, Starbuck is moderately settled; 21 larger places lie within 50 miles. Lenders licensed in Washington reach Starbuck's 137 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Dayton, WA about 16 miles away.

The geography behind Starbuck

The Census Gazetteer records about 0.2 square miles of land within Starbuck, with no significant water area listed. The resulting density is about 695 people per square mile. For the state's biggest city, Seattle, the distance is roughly 213 miles. Counting outward 50 miles, 21 larger communities surround Starbuck. Within the same 50 miles lie 2 smaller Census places.

Where Starbuck sits in Washington

Set beside Washington's 281 places, Starbuck ranks 276th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Starbuck stands 14th among Washington's 281 places — roughly the 95th percentile. Its roughly 695 residents per square mile place it 235th among Washington's places. The population moved by about 17 people between 2020 and 2023, a 14.2% shift.

What a Starbuck borrower is actually offered

In Starbuck, a small community of about 137, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Starbuck's rank of 276th in Washington: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Starbuck decides the split between a comfortable payment and the total interest you pay.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Starbuck if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Starbuck is the same as anywhere in Washington.
What loan size can I expect in Starbuck?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Starbuck?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Starbuck cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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