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Personal loans in Hunts Point, WA

A personal loan in Hunts Point is a fixed-term installment product, and the price a lender offers you is driven by your credit profile, income and existing debts. About 446 people live in Hunts Point, which ranks 242nd of 281 Census places in Washington. Washington law sets the rate ceilings and the licensing a lender must hold, and the table below lists each sourced figure.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Hunts Point at a glance

  • Population: about 446, 242nd by size in Washington of 281 places (Census Vintage 2023 subcounty estimate).
  • 2020 Census base: 456 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
  • 2020 to 2023 change: about 2.2% below the 2020 Census base (US Census Bureau).
  • Rank among Washington places: the 242nd-largest of 281 (US Census Bureau, 2023 estimate).
  • Size percentile: ahead of around 14% of Washington places in population terms (US Census Bureau).
  • Coordinates: latitude 47.6430, longitude -122.2292 (US Census Bureau Gazetteer).
  • Nearest larger cities (within 120 miles): Yarrow Point, WA (0 mi); Clyde Hill, WA (1 mi); Medina, WA (1 mi); Kirkland, WA (4 mi); Bellevue, WA (5 mi) (US Census Bureau populations).
  • Nearest smaller places: Beaux Arts Village, WA (4 mi); Index, WA (34 mi); South Prairie, WA (36 mi) (US Census Bureau estimates).

What a personal loan costs in Hunts Point

A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.

The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.

A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.

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 Hunts Point

The table carries the Washington rate and licensing rules that apply to consumer loans made in Hunts Point.

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 Hunts Point

These steps are the ones that most affect the offer you receive in Hunts Point:

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