Darrington at a glance
- Population: 1,466 (US Census Bureau, Vintage 2023 subcounty estimate), the 186th-largest of 281 places in Washington.
- 2020 Census base: 1,468 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a loss of about 0.1% since the 2020 count (US Census Bureau).
- Rank among Washington places: 186th by size among 281 communities (US Census Bureau).
- Size percentile: ahead of around 34% of Washington places in population terms (US Census Bureau).
- Coordinates: 48.2588 / -121.6078, per the US Census Bureau Gazetteer.
- Nearest larger cities: Granite Falls, WA (20 mi); Arlington, WA (25 mi); Marysville, WA (28 mi); Gold Bar, WA (28 mi); Sultan, WA (28 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Concrete, WA (20 mi); Hamilton, WA (25 mi); Lyman, WA (28 mi) (US Census Bureau).
What a personal loan costs in Darrington
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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.
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 Darrington
The table carries the Washington rate and licensing rules that apply to consumer loans made in Darrington.
| 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 Darrington
The order below is a sensible way to approach a loan in Darrington:
- 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.