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Personal loans in Colton, WA

In Colton, 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 estimates count about 405 residents in Colton, making it the 244th-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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Colton at a glance

  • Population: 405 (US Census Bureau, Vintage 2023 subcounty estimate), the 244th-largest of 281 places in Washington.
  • 2020 Census base: 401 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
  • 2020 to 2023 change: up about 1.0% from the 2020 Census base to the 2023 estimate (US Census Bureau).
  • Rank among Washington places: 244th out of 281 Census places (US Census Bureau).
  • Size percentile: roughly 13% of places in Washington rank below it by population (US Census Bureau).
  • Coordinates: latitude 46.5675, longitude -117.1284 (US Census Bureau Gazetteer).
  • Nearest larger cities within 120 miles: Genesee, ID (10 mi); Clarkston, WA (11 mi); Pullman, WA (12 mi); Moscow, ID (13 mi); Lewiston, ID (14 mi) (US Census Bureau).
  • Nearest smaller communities: Uniontown, WA (3 mi); Kendrick, ID (22 mi); Onaway, ID (27 mi) (Census populations).

What a personal loan costs in Colton

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

Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.

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

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 Colton

Each row below is a Washington rule with its publisher and the date it was retrieved.

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 Colton

Run through this list before signing anything in Colton:

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