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Personal loans in Moses Lake, WA

For residents of Moses Lake, a personal loan is a lump sum with a fixed repayment schedule, and its cost reflects your credit, income and debt-to-income picture. The Census counts about 26,299 residents in Moses Lake, ranking it 44th among the 281 places in Washington. The sourced table below shows the Washington rate caps and licensing requirements that reach every loan made here.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Moses Lake at a glance

  • Population: 26,299 residents, the 44th-largest of 281 places in Washington (US Census Bureau, Vintage 2023).
  • 2020 Census base: the 2020 Census recorded 25,270 residents here (US Census Bureau).
  • 2020 to 2023 change: about 4.1% more residents than the 2020 Census base (US Census Bureau).
  • Rank among Washington places: 44th in population of 281 places (US Census Bureau).
  • Size percentile: it exceeds roughly 84% of Washington's Census places by population (US Census Bureau).
  • Coordinates: latitude 47.1279, longitude -119.2764 (US Census Bureau Gazetteer).
  • Nearest larger cities (120-mile radius): Wenatchee, WA (54 mi); Richland, WA (58 mi); Pasco, WA (60 mi); Kennewick, WA (64 mi); Yakima, WA (71 mi) (US Census Bureau).
  • Nearest smaller towns: Warden, WA (15 mi); Ephrata, WA (18 mi); Soap Lake, WA (21 mi) — US Census Bureau populations.

What a personal loan costs in Moses Lake

A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.

APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.

Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.

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 Moses Lake

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.

RuleDetailSource
Small-loan / installment lender licensingConsumer 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 regulatorWashington 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 statusLicensed; 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 Moses Lake

Before you share your details with a lender in Moses Lake:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Washington using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Moses Lake?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Moses Lake are the same as elsewhere in Washington.
How much can I borrow with a personal loan in Moses Lake?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Moses Lake require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Moses Lake hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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