Everett at a glance
- Population: the Census estimates 111,180 residents, ranking 7th of 281 places in Washington (Vintage 2023).
- 2020 Census base: 110,606 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 0.5% more residents than the 2020 Census base (US Census Bureau).
- Rank among Washington places: 7th in population of 281 places (US Census Bureau).
- Size percentile: about 98% of places in Washington are smaller (US Census Bureau).
- Coordinates: it sits at 47.9654, -122.1899 in the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Seattle, WA (25 mi); Bellevue, WA (25 mi); Kent, WA (40 mi); Tacoma, WA (51 mi) (US Census Bureau).
- Nearest smaller communities: Lake Stevens, WA (5 mi); Snohomish, WA (5 mi); Mukilteo, WA (6 mi), each a US Census place.
What a personal loan costs in Everett
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
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 Everett
Each row below is a Washington rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Everett
The order below is a sensible way to approach a loan in Everett:
- 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.