Personal loans in Washtucna, WA

Roughly 200 residents live in Washtucna, the 266th-largest community in Washington. A lender serving Washtucna holds a Washington licence and answers to a Washington regulator; no city office is involved for its 200 residents. Washtucna lost roughly 2.4% of its population across the 2020-to-2023 comparison. Decide the purpose of the loan and your repayment plan before sharing any details with a Washtucna lender. A single loan can carry different costs on either side of a state line, and Washtucna sits on the Washington side of that line. The nearest larger city is LaCrosse, WA about 19 miles away.

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.

Washtucna by the numbers

Set out below is Washtucna's local context next to the state-level rules that reach every lender here.

How lenders reach Washtucna

Washtucna is lightly settled, with about 302 people per square mile and 18 larger places within 50 miles. A Washington licence lets a lender serve Washtucna without a local office, so branch density does not change what its 200 residents are offered. The nearest bigger place is LaCrosse, WA about 19 miles away.

How Washington law applies in Washtucna

Read the table as a lender's compliance picture for Washtucna: 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
Payday lending statusLicensed; 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 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

Washtucna against the rest of Washington

Against Washington's other places, Washtucna accounts for about 0.0% of the state's population and ranks 266th of 281 by size. On the 2020-to-2023 trend, Washtucna stands 248th among Washington's 281 places — roughly the 12th percentile. At about 302 people per square mile, Washtucna is the 272nd most densely settled place in Washington. The population moved by about 5 people between 2020 and 2023, a 2.4% shift.

How a Washtucna personal loan is priced

Most loans made to Washtucna's 200 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Washtucna's 200 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Washtucna loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Washtucna on the map

Inside Washtucna's boundaries lie about 0.7 square miles of land, with no significant water area recorded. With 200 residents, the land area yields roughly 302 people per square mile. The largest place in Washington, Seattle, lies about 199 miles away. Washtucna has 18 larger places within a 50-mile radius. Within the same 50 miles lie 4 smaller Census 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 Washtucna 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 Washtucna is the same as anywhere in Washington.
What loan size can I expect in Washtucna?
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 Washtucna?
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 Washtucna 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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