Battle Ground at a glance
- Population: 22,285 (US Census Bureau, Vintage 2023 subcounty estimate), the 50th-largest of 281 places in Washington.
- 2020 Census base: the 2020 Census recorded 20,757 residents here (US Census Bureau).
- 2020 to 2023 change: about 7.4% growth over the 2020 Census base (US Census Bureau).
- Rank among Washington places: 50th in population of 281 places (US Census Bureau).
- Size percentile: roughly 82% of Washington's places have fewer residents (US Census Bureau).
- Coordinates: 45.7768 latitude, -122.5410 longitude (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Vancouver, WA (10 mi); Camas, WA (13 mi); Portland, OR (17 mi); Gresham, OR (20 mi); Happy Valley, OR (24 mi) (US Census Bureau).
- Nearest smaller communities: Ridgefield, WA (7 mi); La Center, WA (9 mi); Yacolt, WA (9 mi) (Census populations).
What a personal loan costs in Battle Ground
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Washington lending rules that apply in Battle Ground
Read the table as the compliance picture for a lender serving Battle Ground: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
| 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 |
How to compare offers in Battle Ground
Here is a short checklist for comparing personal loans in Battle Ground:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Washington using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.