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Personal loans in Moxee, WA

For residents of Moxee, a personal loan is a lump sum with a fixed repayment schedule, and its cost reflects your credit, income and debt-to-income picture. Moxee's Census population of roughly 4,827 makes it the 126th-largest of 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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Moxee at a glance

  • Population: a Census-estimated 4,827, placing it 126th among Washington's 281 places (Vintage 2023 subcounty estimate).
  • 2020 Census base: 4,324 residents in the 2020 Census, per the US Census Bureau.
  • 2020 to 2023 change: a gain of roughly 11.6% between the 2020 count and the 2023 estimate (US Census Bureau).
  • Rank among Washington places: 126th-largest of 281 (US Census Bureau, Vintage 2023 estimate).
  • Size percentile: ahead of around 55% of Washington places in population terms (US Census Bureau).
  • Coordinates: it sits at 46.5640, -120.3966 in the US Census Bureau Gazetteer.
  • Nearest larger cities (120-mile radius): Union Gap, WA (5 mi); Yakima, WA (7 mi); Selah, WA (9 mi); Toppenish, WA (13 mi); Sunnyside, WA (25 mi) (US Census Bureau).
  • Smaller towns nearby: Wapato, WA (8 mi); Zillah, WA (12 mi); Harrah, WA (13 mi) (US Census Bureau).

What a personal loan costs in Moxee

Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.

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 term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.

Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.

Washington lending rules that apply in Moxee

The Washington rate caps and licensing rules that reach Moxee are listed below, each with its source and retrieval date.

RuleDetailSource
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
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

How to compare offers in Moxee

Here is a short checklist for comparing personal loans in Moxee:

  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 Moxee?
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 Moxee are the same as elsewhere in Washington.
How much can I borrow with a personal loan in Moxee?
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 Moxee 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 Moxee 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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