Connell at a glance
- Population: about 4,735, 127th by size in Washington of 281 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 5,439 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 12.9% below the 2020 Census base (US Census Bureau).
- Rank among Washington places: 127th out of 281 Census places (US Census Bureau).
- Size percentile: larger than about 55% of the Census places in Washington (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 46.6605, -118.8406.
- Nearest larger cities: Othello, WA (19 mi); Pasco, WA (30 mi); Richland, WA (34 mi); West Richland, WA (35 mi); Kennewick, WA (36 mi); US Census Bureau population estimates.
- Nearest smaller towns: Hatton, WA (8 mi); Mesa, WA (10 mi); Kahlotus, WA (14 mi) (US Census Bureau).
What a personal loan costs in Connell
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.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Connell
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 |
|---|---|---|
| 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 |
| 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 Connell
A few practical steps will make the process in Connell 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.