Personal loans in Washington, KS

Personal loans in Washington are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 1,065 population. Roughly 1,065 residents live in Washington, the 182nd-largest community in Kansas.

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.

Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Washington loan. Washington shed about 0.6% of its population between the 2020 base and the 2023 estimate. When Kansas caps or restricts a product, lenders either change the terms or withdraw it from Washington as from the rest of the state. A larger market lies at Marysville, KS about 22 miles away.

Washington by the numbers

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

What Kansas law requires in Washington

This table holds the Kansas rate and licensing rules for consumer loans made to Washington's 1,065 residents.

RuleDetailSource
State lending regulatorKansas Office of the State Bank Commissioner (OSBC)
Source says: "The Office of the State Bank Commissioner regulates all state-chartered banks, trust companies, mortgage businesses, supervised lenders, credit service organizations, earned wage access service providers, and money transmitters".
Kansas Office of the State Bank Commissioner
as of 2026-09-16
Payday lending statusPermitted under license (payday cash advances of $500 or less; charge capped at 15%)
Source says: "a licensed or supervised lender may charge an amount not to exceed 15% of the amount of the cash advance".
Kansas Office of the Revisor of Statutes
as of 2026-09-16
Small-loan / installment lender licensingSupervised lender license required (supervised loans)
Source says: "Unless a person is exempt from licensing ... such person shall not engage in the business of: (a) Making supervised loans".
Kansas Office of the Revisor of Statutes
as of 2026-09-16

Getting a loan in Washington

Washington is a moderately settled community of about 1,065 people, with 10 larger places inside a 50-mile radius. Lenders licensed in Kansas reach Washington's 1,065 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Marysville, KS about 22 miles away.

Washington's place among Kansas's 625 places

Against Kansas's other places, Washington accounts for about 0.0% of the state's population and ranks 182nd of 625 by size. On the 2020-to-2023 trend, Washington stands 224th among Kansas's 625 places — roughly the 64th percentile. By density, at about 1,096 people per square mile, it ranks 186th in Kansas. The population moved by about 6 people between 2020 and 2023, a 0.6% shift.

What shapes a Washington personal loan

With roughly 1,065 residents, Washington is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Washington loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Washington loan is knowable in advance — unlike a revolving card balance.

Where Washington sits

Washington's land area is about 1.0 square miles; a further 0.04 square miles is water. The resulting density is about 1,096 people per square mile. The state's population centre of gravity, Wichita, is roughly 148 miles away. Within 50 miles of Washington there are 10 larger Census places. The 100-mile radius contains 66 larger 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 Washington 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 Washington is the same as anywhere in Kansas.
What loan size can I expect in Washington?
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 Washington?
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 Washington 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.

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