Concrete at a glance
- Population: a Census-estimated 787, placing it 216th among Washington's 281 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 797 residents here (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 1.3% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Washington places: 216th of 281 by population (US Census Bureau, Vintage 2023).
- Size percentile: it is larger than about 23% of the places in Washington (US Census Bureau).
- Coordinates: 48.5326, -121.7552 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Darrington, WA (20 mi); Sedro-Woolley, WA (22 mi); Burlington, WA (27 mi); Mount Vernon, WA (27 mi); Arlington, WA (31 mi) (US Census Bureau).
- Smaller places nearby: Hamilton, WA (11 mi); Lyman, WA (14 mi); Index, WA (50 mi), per US Census Bureau estimates.
What a personal loan costs in Concrete
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Washington lending rules that apply in Concrete
Read the table as the compliance picture for a lender serving Concrete: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Concrete
A few practical steps will make the process in Concrete less costly:
- 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.