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Personal loans in Buckley, WA

In Buckley, a personal loan gives you a lump sum repaid over a set term, with the lender setting your APR from your credit, income and debts. Census data place Buckley's population near 5,603, the 120th-largest among Washington's 281 Census places. Washington's rate ceilings and lender-licensing requirements appear below, each with the publisher and date behind it.

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

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Buckley at a glance

  • Population: a Census-estimated 5,603, placing it 120th among Washington's 281 places (Vintage 2023 subcounty estimate).
  • 2020 Census base: 5,113 people counted in the 2020 Census (US Census Bureau).
  • 2020 to 2023 change: about 9.6% more residents than the 2020 Census base (US Census Bureau).
  • Rank among Washington places: 120th of the state's 281 Census places (US Census Bureau).
  • Size percentile: about 57% of Washington's Census places are smaller (US Census Bureau).
  • Coordinates: 47.1622 / -122.0203, per the US Census Bureau Gazetteer.
  • Nearest larger cities: Enumclaw, WA (3 mi); Bonney Lake, WA (7 mi); Orting, WA (10 mi); Black Diamond, WA (11 mi); Sumner, WA (11 mi) — straight-line distances, US Census Bureau populations.
  • Smaller places nearby: South Prairie, WA (4 mi); Wilkeson, WA (4 mi); Carbonado, WA (6 mi), per US Census Bureau estimates.

What a personal loan costs in Buckley

Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.

Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.

Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.

If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.

Washington lending rules that apply in Buckley

Read the table as the compliance picture for a lender serving Buckley: 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 Buckley

Before you commit to a personal loan in Buckley, 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 Buckley?
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 Buckley are the same as elsewhere in Washington.
How much can I borrow with a personal loan in Buckley?
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 Buckley 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 Buckley 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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