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Personal loans in Clyde Hill, WA

In Clyde Hill, a personal loan turns a one-time expense into predictable monthly payments, and the rate you get depends on your credit, income and debts. Census estimates count about 3,077 residents in Clyde Hill, making it the 142nd-largest of 281 places in Washington. 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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Clyde Hill at a glance

  • Population: about 3,077 residents, ranking 142nd of 281 Census places in Washington (US Census Bureau, Vintage 2023 subcounty estimate).
  • 2020 Census base: 3,126 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
  • 2020 to 2023 change: roughly 1.6% fewer residents than at the 2020 Census (US Census Bureau).
  • Rank among Washington places: 142nd largest of 281 (US Census Bureau).
  • Size percentile: about 49% of Washington's Census places are smaller (US Census Bureau).
  • Coordinates: the Census Gazetteer places it at 47.6304, -122.2180.
  • Nearest larger cities: Bellevue, WA (4 mi); Mercer Island, WA (5 mi); Kirkland, WA (5 mi); Redmond, WA (6 mi); Seattle, WA (6 mi) (Census populations, approximate straight-line distance).
  • Nearest smaller towns: Yarrow Point, WA (1 mi); Hunts Point, WA (1 mi); Medina, WA (1 mi) (US Census Bureau).

What a personal loan costs in Clyde Hill

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

Compare every quote on APR because it includes the fees the interest rate hides, and check the payment 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.

A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.

Washington lending rules that apply in Clyde Hill

The table carries the Washington rate and licensing rules that apply to consumer loans made in Clyde Hill.

RuleDetailSource
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
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

How to compare offers in Clyde Hill

The order below is a sensible way to approach a loan in Clyde Hill:

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