Conconully at a glance
- Population: the Census estimates 194 residents, ranking 267th of 281 places in Washington (Vintage 2023).
- 2020 Census base: 191 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 1.6% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Washington places: 267th largest of 281 (US Census Bureau).
- Size percentile: ahead of around 5% of Washington places in population terms (US Census Bureau).
- Coordinates: it sits at 48.5586, -119.7521 in the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Riverside, WA (11 mi); Omak, WA (14 mi); Okanogan, WA (15 mi); Tonasket, WA (17 mi); Winthrop, WA (20 mi) (US Census Bureau).
- Nearest smaller places: Nespelem, WA (45 mi); Hartline, WA (67 mi); Krupp, WA (87 mi) (US Census Bureau estimates).
What a personal loan costs in Conconully
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the 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.
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 Conconully
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Conconully
Here is a short checklist for comparing personal loans in Conconully:
- 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.