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Personal loans in Coulee Dam, WA

Taking out a personal loan in Coulee Dam means a fixed monthly payment for a set term, and the APR you are quoted rests on your credit, income and debts. Census data place Coulee Dam's population near 1,223, the 192nd-largest among Washington's 281 Census places. Every lender serving Washington must observe the state's rate caps and licensing rules, shown with their sources below.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Coulee Dam at a glance

  • Population: 1,223 residents, the 192nd-largest of 281 places in Washington (US Census Bureau, Vintage 2023).
  • 2020 Census base: 1,215 people (US Census Bureau, 2020 Census count).
  • 2020 to 2023 change: up about 0.7% from the 2020 Census base to the 2023 estimate (US Census Bureau).
  • Rank among Washington places: 192nd in population of 281 places (US Census Bureau).
  • Size percentile: about 32% of places in Washington are smaller (US Census Bureau).
  • Coordinates: 47.9685, -118.9763 (US Census Bureau Gazetteer).
  • Nearest larger cities: Bridgeport, WA (32 mi); Brewster, WA (38 mi); Okanogan, WA (39 mi); Omak, WA (40 mi); Davenport, WA (44 mi) (Census populations, approximate straight-line distance).
  • Smaller places close by: Grand Coulee, WA (2 mi); Elmer City, WA (3 mi); Electric City, WA (5 mi) (US Census Bureau).

What a personal loan costs in Coulee Dam

A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.

The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.

The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.

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 Coulee Dam

Read the table as the compliance picture for a lender serving Coulee Dam: label, sourced figure, publisher and date.

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 Coulee Dam

Here is a short checklist for comparing personal loans in Coulee Dam:

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