Harrah at a glance
- Population: about 570, 232nd by size in Washington of 281 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 582 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 2.1% below the 2020 Census base (US Census Bureau).
- Rank among Washington places: 232nd in population of 281 places (US Census Bureau).
- Size percentile: it exceeds roughly 17% of Washington's Census places by population (US Census Bureau).
- Coordinates: 46.4061, -120.5410 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Wapato, WA (6 mi); Union Gap, WA (11 mi); Toppenish, WA (11 mi); Yakima, WA (13 mi); Zillah, WA (13 mi), each a US Census place with its estimated population.
- Smaller towns nearby: Rufus, OR (51 mi); Wasco, OR (57 mi); South Cle Elum, WA (57 mi) (US Census Bureau).
What a personal loan costs in Harrah
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Washington lending rules that apply in Harrah
The sourced rows below are the rules a licensed lender must follow when lending in Washington, and therefore in Harrah.
| 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 Harrah
Before you commit to a personal loan in Harrah, work through these steps:
- 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.