Personal loans in Vader, WA
The roughly 682 people who live in Vader borrow under Washington rules; city hall sets no personal-loan rate. The trend for Vader between 2020 and 2023 is upward by roughly 8.8%.
An estimated 682 people make their home in Vader, a figure that ranks 221st in Washington. Pull your credit reports and line up at least three offers before you apply from Vader. State law, not city hall, decides what a lender may do to Vader's roughly 682 residents, and a state regulator supervises it. The nearest larger metro is Toledo, WA about 6 miles away.
Vader by the numbers
Vader is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: a Census-estimated 682, 221st among Washington's 281 places (Vintage 2023).
- Population trend: Higher by roughly 8.8% since the 2020 count.
- People gained or lost: about 55 more since the 2020 base.
- Size percentile: with 682 residents, Vader is larger than about 21% of Washington's Census places.
- Population density: 734 people per square mile on 0.9 square miles of land.
- Land area rank: Vader's 0.9 square miles rank 210th of 281 places in Washington.
- State population share: Vader accounts for about 0.0% of everyone in Washington.
- National rank: Vader sits 11,904th by population among the 19,457 places in this dataset.
- Growth rank: Vader's 2020-to-2023 change ranks 33rd of 281 places in Washington.
- Against the state trend: Vader's 8.8% change compares with a Washington average of +2.8% across its 281 places.
- Density rank: Vader is the 230th most densely settled place in Washington.
- Against the state median: Vader runs about 734 residents per square mile, where the Washington median is 1,518.
- Location: 46.4045 / -122.9569, per the US Census Bureau Gazetteer.
- Nearest larger cities: Toledo (6 mi); Winlock (6 mi); Castle Rock (10 mi); Napavine (13 mi); Longview (18 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller communities close by: Pe Ell (20 mi); Cathlamet (25 mi); Prescott (25 mi), each with its own Census population profile.
- Smaller neighbours: 4 places smaller than Vader sit within 50 miles.
- Within 100 miles: 162 places are larger than Vader.
Vader in state context
Vader is the 221st-largest of 281 Census places in Washington and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 33rd of 281 Washington places, putting it near the 88th percentile for growth. At about 734 people per square mile, Vader is the 230th most densely settled place in Washington. Between 2020 and 2023 the count changed by roughly 55 residents.
Borrowing reach in Vader
With about 734 residents per square mile, Vader is moderately settled, and 37 larger Census places sit within 50 miles. Distance to a branch rarely matters for Vader's 682 residents: the application is online and the price follows your credit file. The nearest bigger place is Toledo, WA about 6 miles away.
Which Washington laws govern a loan in Vader
This table holds the Washington rate and licensing rules for consumer loans made to Vader's 682 residents.
| 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 |
Where Vader sits
Vader's land area is roughly 0.9 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 734 residents per square mile. For the state's biggest city, Seattle, the distance is roughly 89 miles. Vader has 37 larger places within a 50-mile radius. The 100-mile radius contains 162 larger places.
How personal loans work in Vader
A Vader personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 682 residents. Two numbers drive a Vader loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Vader loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Common questions
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Nearby places
- Winlock, WA — population 1,944
- Toledo, WA — population 762
- Castle Rock, WA — population 2,437
- Napavine, WA — population 2,140
- Longview, WA — population 37,925
- Chehalis, WA — population 7,571
- Kelso, WA — population 12,648
- Centralia, WA — population 18,754