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Personal loans in Bingen, WA

A personal loan in Bingen is repaid in equal monthly installments over a fixed term, with the rate set from your credit history, income and debts. The Census puts Bingen at about 774 residents, the 217th-largest of 281 places in Washington. The sourced table below shows the Washington rate caps and licensing requirements that reach every loan made here.

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

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Bingen at a glance

  • Population: 774 — 217th in Washington, which has 281 Census places (US Census Bureau, Vintage 2023).
  • 2020 Census base: 777 people (US Census Bureau, 2020 Census count).
  • 2020 to 2023 change: down about 0.4% from the 2020 Census base to the 2023 estimate (US Census Bureau).
  • Rank among Washington places: 217th largest of 281 (US Census Bureau).
  • Size percentile: larger than about 23% of the Census places in Washington (US Census Bureau).
  • Coordinates: 45.7131 latitude, -121.4718 longitude (US Census Bureau Gazetteer).
  • Nearest larger cities: White Salmon, WA (1 mi); Hood River, OR (3 mi); The Dalles, OR (17 mi); Cascade Locks, OR (19 mi); Stevenson, WA (21 mi); US Census Bureau population estimates.
  • Nearest smaller communities: Mosier, OR (4 mi); Dufur, OR (24 mi); Rufus, OR (35 mi), each a US Census place.

What a personal loan costs in Bingen

Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.

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

Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.

Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.

Washington lending rules that apply in Bingen

Read the table as the compliance picture for a lender serving Bingen: label, sourced figure, publisher and 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
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 Bingen

Before you commit to a personal loan in Bingen, work through these steps:

  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 Bingen?
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 Bingen are the same as elsewhere in Washington.
How much can I borrow with a personal loan in Bingen?
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 Bingen 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 Bingen 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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