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Personal loans in Lamont, WA

Borrowers in Lamont use personal loans to consolidate balances or cover a one-time cost, and the terms depend on your credit, income and existing obligations. At about 81 residents, Lamont is the 280th-largest of the 281 Census places in Washington. The rate caps and licensing requirements that apply to a lender in Washington are set out in the sourced table below.

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

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Lamont at a glance

  • Population: 81 residents, the 280th-largest of 281 places in Washington (US Census Bureau, Vintage 2023).
  • 2020 Census base: the 2020 Census recorded 78 residents here (US Census Bureau).
  • 2020 to 2023 change: up about 3.8% from the 2020 Census base to the 2023 estimate (US Census Bureau).
  • Rank among Washington places: 280th largest of 281 (US Census Bureau).
  • Size percentile: about 0% of Washington's Census places are smaller (US Census Bureau).
  • Coordinates: latitude 47.2007, longitude -117.9049 (US Census Bureau Gazetteer).
  • Nearest larger cities: Sprague, WA (8 mi); St. John, WA (17 mi); Malden, WA (20 mi); Endicott, WA (21 mi); Ritzville, WA (23 mi) (Census populations, approximate straight-line distance).
  • Nearest smaller towns: Krupp, WA (53 mi); State Line, ID (53 mi); Reubens, ID (89 mi) (US Census Bureau).

What a personal loan costs in Lamont

Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.

Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.

The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.

Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.

Washington lending rules that apply in Lamont

Each row below is a Washington rule with its publisher and the date it was retrieved.

RuleDetailSource
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
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

How to compare offers in Lamont

Before you share your details with a lender in Lamont:

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