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Personal loans in Almira, WA

Taking out a personal loan in Almira means a fixed monthly payment for a set term, and the APR you are quoted rests on your credit, income and debts. Census data place Almira's population near 332, the 250th-largest among Washington's 281 Census places. Washington law sets the rate ceilings and the licensing a lender must hold, and the table below lists each sourced figure.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Almira at a glance

  • Population: 332 people, the 250th-largest place among Washington's 281 Census places (US Census Bureau, Vintage 2023).
  • 2020 Census base: the 2020 count put the population at 321 (US Census Bureau).
  • 2020 to 2023 change: population rose about 3.4% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
  • Rank among Washington places: 250th by size among 281 communities (US Census Bureau).
  • Size percentile: about 11% of places in Washington are smaller (US Census Bureau).
  • Coordinates: 47.7106, -118.9370 (US Census Bureau Gazetteer).
  • Nearest larger cities: Wilbur, WA (11 mi); Electric City, WA (15 mi); Grand Coulee, WA (16 mi); Coulee City, WA (18 mi); Coulee Dam, WA (18 mi) — straight-line distances, US Census Bureau populations.
  • Smaller places close by: Hartline, WA (8 mi); Creston, WA (20 mi); Elmer City, WA (20 mi) (US Census Bureau).

What a personal loan costs in Almira

A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.

The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.

Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.

Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.

Washington lending rules that apply in Almira

Where a figure is not published by the state, the row points to the source instead of guessing.

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
Maximum legal interest rate (usury cap)12% per annum, or four points above the Federal Reserve bill rate, whichever is higher (RCW 19.52.020)
Source says: any rate of interest shall be legal so long as the rate of interest does not exceed the higher of: (a) Twelve percent per annum		Washington State Legislature (RCW)
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

How to compare offers in Almira

These steps are the ones that most affect the offer you receive in Almira:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Washington using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Almira?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Almira are the same as elsewhere in Washington.
How much can I borrow with a personal loan in Almira?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Almira require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Almira hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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