North Bend at a glance
- Population: roughly 8,268 people; 104th of 281 places in Washington (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 7,464 residents here (US Census Bureau).
- 2020 to 2023 change: population rose about 10.8% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Washington places: 104th of 281 by population (US Census Bureau, Vintage 2023).
- Size percentile: ahead of around 63% of Washington places in population terms (US Census Bureau).
- Coordinates: 47.4880, -121.7688 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Snoqualmie, WA (6 mi); Issaquah, WA (14 mi); Sammamish, WA (15 mi); Maple Valley, WA (15 mi); Covington, WA (18 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Carnation, WA (12 mi); Black Diamond, WA (17 mi); Beaux Arts Village, WA (21 mi) (US Census Bureau).
What a personal loan costs in North Bend
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Washington lending rules that apply in North Bend
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 North Bend
These steps are the ones that most affect the offer you receive in North Bend:
- 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.