Grandview at a glance
- Population: about 11,149 residents, ranking 83rd of 281 Census places in Washington (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 10,989 residents here (US Census Bureau).
- 2020 to 2023 change: population rose about 1.5% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Washington places: the 83rd-largest of 281 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 70% of Washington places in population terms (US Census Bureau).
- Coordinates: 46.2443 / -119.9090, per the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Sunnyside, WA (7 mi); West Richland, WA (25 mi); Richland, WA (30 mi); Kennewick, WA (35 mi); Pasco, WA (38 mi) (US Census Bureau).
- Nearest smaller towns: Mabton, WA (5 mi); Prosser, WA (7 mi); Granger, WA (15 mi) (US Census Bureau).
What a personal loan costs in Grandview
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Grandview
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Grandview
The order below is a sensible way to approach a loan in Grandview:
- 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.