Latah at a glance
- Population: the Census estimates 174 residents, ranking 271st of 281 places in Washington (Vintage 2023).
- 2020 Census base: the 2020 Census recorded 178 residents here (US Census Bureau).
- 2020 to 2023 change: down about 2.2% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Washington places: 271st by size among 281 communities (US Census Bureau).
- Size percentile: ahead of around 4% of Washington places in population terms (US Census Bureau).
- Coordinates: 47.2821 latitude, -117.1558 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Tekoa, WA (6 mi); Fairfield, WA (7 mi); Rosalia, WA (11 mi); Oakesdale, WA (11 mi); Rockford, WA (12 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Waverly, WA (5 mi); Tensed, ID (14 mi); Farmington, WA (14 mi) (US Census Bureau).
What a personal loan costs in Latah
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Washington lending rules that apply in Latah
Read the table as the compliance picture for a lender serving Latah: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Latah
Before you commit to a personal loan in Latah, 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.