Marcus at a glance
- Population: 218 residents, the 264th-largest of 281 places in Washington (US Census Bureau, Vintage 2023).
- 2020 Census base: 215 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 1.4% more residents than the 2020 Census base (US Census Bureau).
- Rank among Washington places: 264th of the state's 281 Census places (US Census Bureau).
- Size percentile: larger than about 6% of the Census places in Washington (US Census Bureau).
- Coordinates: 48.6643 / -118.0600, per the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Kettle Falls, WA (4 mi); Colville, WA (11 mi); Northport, WA (22 mi); Ione, WA (30 mi); Chewelah, WA (31 mi) (US Census Bureau).
- Nearest smaller places: Metaline, WA (33 mi); Cusick, WA (42 mi); Nespelem, WA (54 mi) (US Census Bureau estimates).
What a personal loan costs in Marcus
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Marcus
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Marcus
Before you share your details with a lender in Marcus:
- 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.