Personal loans in Sultan, WA

An estimated 6,766 people make their home in Sultan, a figure that ranks 111th in Washington. The first question in Sultan is not the rate on offer but whether the payment fits; about 6,766 people live here under Washington lending law.

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.

Population in Sultan climbed about 31.0% over the three years from 2020 to 2023. Rate-shopping from Sultan costs nothing at pre-qualification, where a soft pull leaves your credit file alone. To lend to Sultan's 6,766 residents, a company must hold a Washington licence, and each sourced row below names the regulator behind it. For a bigger market, look to Monroe, WA about 8 miles away.

Borrowing in Sultan: the local picture

Only a few things actually differ by place — population, area, location, and the Washington rules a lender must follow — and they are below.

What a Sultan borrower is actually offered

A Sultan personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 6,766 residents. A lender serving Sultan's 6,766 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Sultan loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Sultan on the map

Sultan covers about 3.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 2,027 people per square mile. The state's population centre of gravity, Seattle, is roughly 31 miles away. A 50-mile radius around Sultan takes in 53 places that are larger. The 100-mile radius contains 78 larger places.

Which Washington laws govern a loan in Sultan

Read the table as a lender's compliance picture for Sultan: the rule, the sourced figure, the publisher and the date.

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

Lender access in Sultan

Sultan is a fairly dense community of about 6,766 people, with 53 larger places inside a 50-mile radius. Lenders licensed in Washington reach Sultan's 6,766 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Monroe, WA about 8 miles away.

Where Sultan sits in Washington

Sultan is the 111th-largest of 281 Census places in Washington and contains about 0.1% of the state's people. Its 2020-to-2023 change ranks 4th of 281 Washington places, putting it near the 99th percentile for growth. At about 2,027 people per square mile, Sultan is the 100th most densely settled place in Washington. In land area, Sultan ranks 123rd among Washington's 281 places.

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 Sultan 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 Sultan is the same as anywhere in Washington.
What loan size can I expect in Sultan?
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 Sultan?
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 Sultan 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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