Personal loans in Waverly, WA

Compare APR, not the interest rate, because the APR folds in most fees on a Waverly loan. Waverly lost roughly 0.8% of its population across the 2020-to-2023 comparison. Consumer lending that reaches Waverly's 120 residents is governed by Washington statute; no city ordinance changes it. The closest larger city is Fairfield, WA about 4 miles away.

Waverly: population, trend and location

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

• Population: the Census counts 120 residents in Waverly (Vintage 2023 subcounty estimate), the 278th-largest figure among Washington's 281 places.
• Population trend: Roughly 0.8% fewer residents than the 2020 Census counted.
• Change in people: the 2020-to-2023 comparison is a loss of about 1 residents.
• Size percentile: bigger than about 1% of the places in Washington, with 120 residents in Waverly.
• Density: roughly 291 residents per square mile, spread over 0.4 sq mi of land.
• Land area rank: Waverly's 0.4 square miles rank 251st of 281 places in Washington.
• Share of Washington: Waverly holds about 0.0% of the state's population, some 120 people.
• National rank: Waverly sits 17,786th by population among the 19,457 places in this dataset.
• Growth rank: Waverly's 2020-to-2023 change ranks 212th of 281 places in Washington.
• Against the state trend: Waverly's 0.8% change compares with a Washington average of +2.8% across its 281 places.
• Density rank: Waverly places 273rd among Washington's places by people per square mile.
• Against the state median: Waverly runs about 291 residents per square mile, where the Washington median is 1,518.
• Location: mapped by the US Census Bureau at 47.3381, -117.2312.
• Nearest larger cities: Fairfield (4 mi); Latah (5 mi); Rockford (9 mi); Spangle (9 mi); Rosalia (10 mi). Online lenders reach Waverly no matter how far the nearest branch is.
• Nearest smaller towns: Tensed (19 mi); State Line (27 mi); Huetter (31 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 4 of them.
• Larger places within 100 miles: 121.

Washington rules behind a Waverly personal loan

Below are the Washington rules that apply to a loan made in Waverly, each with the regulator that issued it.

A practical checklist for Waverly borrowers

Before you hand your details to a lender in Waverly, where the population is near 120:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Line up several pre-qualified offers and let the APR decide.
4. Confirm the Washington licence with the regulator named above before committing.
5. Be clear on what the loan is for and how it gets repaid.
6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
7. Read the disclosure for an origination fee and any prepayment penalty before signing.

The process is identical across Washington; what changes is your credit file, not the fact that Waverly holds 120 people.

Waverly in state context

Set beside Washington's 281 places, Waverly ranks 278th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Waverly ranks 212th of 281 in Washington (about the 25th percentile). By density, at about 291 people per square mile, it ranks 273rd in Washington. The population moved by about 1 people between 2020 and 2023, a 0.8% shift.

How a Waverly personal loan is priced

With roughly 120 residents, Waverly is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Waverly lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Waverly loan is knowable in advance — unlike a revolving card balance.

Waverly: area, density and distance

Inside Waverly's boundaries lie about 0.4 square miles of land, with no significant water area recorded. Spread across it are roughly 291 residents per square mile. The largest place in Washington, Seattle, lies about 240 miles away. Counting outward 50 miles, 49 larger communities surround Waverly. The 100-mile radius contains 121 larger places.