Cusick at a glance
- Population: 175 people, the 270th-largest place among Washington's 281 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 150 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: up about 16.7% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Washington places: 270th of 281 by population (US Census Bureau, Vintage 2023).
- Size percentile: larger than about 4% of the Census places in Washington (US Census Bureau).
- Coordinates: 48.3285, -117.2925 (US Census Bureau Gazetteer).
- Nearest larger cities: Newport, WA (15 mi); Oldtown, ID (16 mi); Chewelah, WA (20 mi); Priest River, ID (20 mi); Deer Park, WA (26 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Metaline, WA (36 mi); State Line, ID (45 mi); Hope, ID (46 mi) (US Census Bureau).
What a personal loan costs in Cusick
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Cusick
The Washington rate caps and licensing rules that reach Cusick are listed below, each with its source and retrieval date.
| 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 Cusick
These steps are the ones that most affect the offer you receive in Cusick:
- 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.