Marysville at a glance
- Population: about 72,916, 18th by size in Washington of 281 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 70,718 (US Census Bureau).
- 2020 to 2023 change: roughly 3.1% higher than at the 2020 Census (US Census Bureau).
- Rank among Washington places: 18th of 281 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 94% of places in Washington rank below it by population (US Census Bureau).
- Coordinates: 48.0802, -122.1543 (Census Gazetteer, US Census Bureau).
- Nearest larger cities (120-mile radius): Everett, WA (8 mi); Kirkland, WA (27 mi); Redmond, WA (28 mi); Seattle, WA (33 mi); Bellevue, WA (33 mi) (US Census Bureau).
- Smaller towns nearby: Lake Stevens, WA (6 mi); Arlington, WA (6 mi); Granite Falls, WA (9 mi) (US Census Bureau).
What a personal loan costs in Marysville
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Washington lending rules that apply in Marysville
The Washington rate caps and licensing rules that reach Marysville are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Marysville
The order below is a sensible way to approach a loan in Marysville:
- 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.