Mattawa at a glance
- Population: 3,761 — 132nd in Washington, which has 281 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 3,339 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 12.6% more residents than the 2020 Census base (US Census Bureau).
- Rank among Washington places: 132nd of 281 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 53% of Washington's Census places are smaller (US Census Bureau).
- Coordinates: 46.7364 latitude, -119.9053 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Moxee, WA (26 mi); Sunnyside, WA (29 mi); Union Gap, WA (31 mi); Selah, WA (31 mi); Toppenish, WA (31 mi); US Census Bureau population estimates.
- Smaller places close by: Royal City, WA (18 mi); George, WA (24 mi); Zillah, WA (29 mi) (US Census Bureau).
What a personal loan costs in Mattawa
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Washington lending rules that apply in Mattawa
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 |
|---|---|---|
| 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 Mattawa
Here is a short checklist for comparing personal loans in Mattawa:
- 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.