Personal loans in Walla Walla, WA
Walla Walla is a smaller city of about 33,339 residents, and a personal loan taken out here is governed by Washington statute. Lenders active in Walla Walla report to a Washington supervisor, identified in the sourced rows below. The Census counts 33,339 people in Walla Walla, the 37th-largest figure among Washington's 281 places. Compare APR, not the interest rate, because the APR folds in most fees on a Walla Walla loan. Walla Walla shed about 2.5% of its population between the 2020 base and the 2023 estimate. The next larger city is Pasco, WA about 40 miles away.
Walla Walla by the numbers
Read the local figures below as context; read the sourced Washington table as the rulebook a lender here must follow.
- Population: a Census-estimated 33,339, 37th among Washington's 281 places (Vintage 2023).
- Population trend: A drop of about 2.5% from 2020 to 2023.
- People gained or lost: about 849 fewer since the 2020 base.
- Size percentile: Walla Walla sits ahead of around 87% of Washington places, at 33,339 people.
- Population density: 2,370 people per square mile on 14.1 square miles of land.
- By land area: Walla Walla ranks 32nd among Washington's 281 places, at 14.1 sq mi.
- Water area rank: Walla Walla ranks 139th among Washington's 281 places, with 0.03 sq mi.
- Share of Washington: Walla Walla holds about 0.7% of the state's population, some 33,339 people.
- National standing: Walla Walla ranks 1,195th of 19,457 US places.
- Growth rank: Walla Walla's 2020-to-2023 change ranks 251st of 281 places in Washington.
- Against the state trend: Walla Walla's 2.5% change compares with a Washington average of +2.8% across its 281 places.
- Density rank: Walla Walla is the 84th most densely settled place in Washington.
- Density in context: Walla Walla's 2,370 people per square mile sit against a Washington median of 1,518.
- Location: it lies at 46.0670, -118.3370 in the Census Gazetteer.
- Nearest larger cities: Pasco (40 mi); Kennewick (41 mi); Richland (48 mi); Lewiston (68 mi); Yakima (112 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Nearest smaller towns: College Place (3 mi); Milton-Freewater (10 mi); Prescott (16 mi).
- Smaller neighbours: 24 places smaller than Walla Walla sit within 50 miles.
- Within 100 miles: 4 places are larger than Walla Walla.
Where Walla Walla sits
Inside Walla Walla's boundaries lie roughly 14.1 square miles of land and 0.03 square miles of water. Spread across it are roughly 2,370 residents per square mile. Seattle, the largest place in Washington, is about 218 miles from Walla Walla. A 50-mile radius around Walla Walla takes in 3 places that are larger. By land area it ranks 32nd of 281 Washington places.
Walla Walla's place among Washington's 281 places
Among Washington's 281 places, Walla Walla sits at 37th for population, a share of roughly 0.7% of the state. On the 2020-to-2023 trend, Walla Walla stands 251st among Washington's 281 places — roughly the 11th percentile. At about 2,370 people per square mile, Walla Walla is the 84th most densely settled place in Washington. Between 2020 and 2023 the count changed by roughly 849 residents.
Borrowing reach in Walla Walla
Walla Walla is a fairly dense community of about 33,339 people, with 3 larger places inside a 50-mile radius. Distance to a branch rarely matters for Walla Walla's 33,339 residents: the application is online and the price follows your credit file. The nearest bigger place is Pasco, WA about 40 miles away.
Washington rules behind a Walla Walla personal loan
For the roughly 33,339 residents of Walla Walla, 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 |
A pre-application checklist for Walla Walla
A sensible order of operations for a loan in Walla Walla, home to about 33,339 people:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Verify the lender's Washington licence with the regulator listed on this page.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
- Write down the purpose of the loan and your repayment plan before you apply.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
In Walla Walla as elsewhere in Washington, the written terms — not the advertisement — are what count for its 33,339 residents.
Common questions
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Nearby places
- College Place, WA — population 9,762
- Milton-Freewater, OR — population 6,977
- Prescott, WA — population 369
- Weston, OR — population 700
- Waitsburg, WA — population 1,174
- Athena, OR — population 1,186
- Adams, OR — population 383
- Helix, OR — population 190