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Personal loans in Duvall, WA

A personal loan in Duvall is an unsecured installment loan for consolidation or a planned expense, and what it costs follows your credit, income and debts. Census estimates count about 8,517 residents in Duvall, making it the 102nd-largest of 281 places in Washington. 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

Compare rates Run the numbers first

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Duvall at a glance

  • Population: roughly 8,517 people; 102nd of 281 places in Washington (Census Vintage 2023 subcounty estimate).
  • 2020 Census base: 8,035 residents in the 2020 Census, per the US Census Bureau.
  • 2020 to 2023 change: population rose about 6.0% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
  • Rank among Washington places: 102nd of 281 by population (US Census Bureau, Vintage 2023).
  • Size percentile: it exceeds roughly 64% of Washington's Census places by population (US Census Bureau).
  • Coordinates: 47.7355, -121.9722 (US Census Bureau Gazetteer).
  • Nearest larger cities: Redmond, WA (8 mi); Woodinville, WA (8 mi); Monroe, WA (9 mi); Sammamish, WA (10 mi); Bothell, WA (11 mi); US Census Bureau population estimates.
  • Nearest smaller communities: Carnation, WA (7 mi); Sultan, WA (12 mi); Yarrow Point, WA (13 mi), each a US Census place.

What a personal loan costs in Duvall

Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.

Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.

Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.

Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.

Washington lending rules that apply in Duvall

Where a figure is not published by the state, the row points to the source instead of guessing.

RuleDetailSource
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 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

How to compare offers in Duvall

Run through this list before signing anything in Duvall:

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