Creston at a glance
- Population: 230 people, the 263rd-largest place among Washington's 281 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 215 (US Census Bureau).
- 2020 to 2023 change: up about 7.0% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Washington places: 263rd out of 281 Census places (US Census Bureau).
- Size percentile: ahead of around 6% of Washington places in population terms (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 47.7594, -118.5199.
- Nearest larger cities: Wilbur, WA (9 mi); Davenport, WA (19 mi); Almira, WA (20 mi); Harrington, WA (23 mi); Grand Coulee, WA (26 mi), each a US Census place with its estimated population.
- Smaller places nearby: Hartline, WA (28 mi); Krupp, WA (33 mi); Nespelem, WA (35 mi), per US Census Bureau estimates.
What a personal loan costs in Creston
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
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 Creston
Each row below is a Washington rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Creston
Before you share your details with a lender in Creston:
- 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.