Lind at a glance
- Population: about 522, 238th by size in Washington of 281 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 537 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: down about 2.8% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Washington places: 238th of the state's 281 Census places (US Census Bureau).
- Size percentile: roughly 15% of Washington's places have fewer residents (US Census Bureau).
- Coordinates: 46.9703, -118.6164 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Ritzville, WA (15 mi); Warden, WA (21 mi); Connell, WA (24 mi); Odessa, WA (25 mi); Othello, WA (28 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Hatton, WA (17 mi); Washtucna, WA (21 mi); Kahlotus, WA (23 mi) — US Census Bureau populations.
What a personal loan costs in Lind
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Lind
Each row below is a Washington rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Lind
The order below is a sensible way to approach a loan in Lind:
- 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.