Langley at a glance
- Population: roughly 1,146 people; 195th of 281 places in Washington (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 1,149 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: population fell about 0.3% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Washington places: 195th-largest of 281 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 31% of Washington's Census places are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 48.0375, -122.4071.
- Nearest larger cities (120-mile radius): Mukilteo, WA (10 mi); Everett, WA (11 mi); Marysville, WA (12 mi); Lake Stevens, WA (15 mi); Stanwood, WA (15 mi) (US Census Bureau).
- Smaller places close by: La Conner, WA (25 mi); Hunts Point, WA (28 mi); Yarrow Point, WA (29 mi) (US Census Bureau).
What a personal loan costs in Langley
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Washington lending rules that apply in Langley
Each row below is a Washington rule with its publisher and the date it was retrieved.
| 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 Langley
A few practical steps will make the process in Langley less costly:
- 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.