Mossyrock at a glance
- Population: a Census-estimated 793, placing it 215th among Washington's 281 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 765 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 3.7% higher than at the 2020 Census (US Census Bureau).
- Rank among Washington places: 215th of 281 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 23% of places in Washington rank below it by population (US Census Bureau).
- Coordinates: latitude 46.5302, longitude -122.4891 (US Census Bureau Gazetteer).
- Nearest larger cities: Morton, WA (10 mi); Napavine, WA (20 mi); Winlock, WA (21 mi); Chehalis, WA (24 mi); Eatonville, WA (26 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller places: Toledo, WA (18 mi); Vader, WA (24 mi); Bucoda, WA (26 mi) (US Census Bureau estimates).
What a personal loan costs in Mossyrock
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Washington lending rules that apply in Mossyrock
The sourced rows below are the rules a licensed lender must follow when lending in Washington, and therefore in Mossyrock.
| 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 Mossyrock
Before you share your details with a lender in Mossyrock:
- 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.