Northport at a glance
- Population: 292 (US Census Bureau, Vintage 2023 subcounty estimate), the 257th-largest of 281 places in Washington.
- 2020 Census base: 289 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: an increase of about 1.0% since the 2020 count (US Census Bureau).
- Rank among Washington places: 257th in population of 281 places (US Census Bureau).
- Size percentile: it is larger than about 9% of the places in Washington (US Census Bureau).
- Coordinates: 48.9158 latitude, -117.7797 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Ione, WA (20 mi); Kettle Falls, WA (25 mi); Colville, WA (26 mi); Chewelah, WA (44 mi); Republic, WA (47 mi) (US Census Bureau).
- Nearest smaller communities: Metaline, WA (18 mi); Metaline Falls, WA (19 mi); Marcus, WA (22 mi), each a US Census place.
What a personal loan costs in Northport
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Northport
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Northport
Before you share your details with a lender in Northport:
- 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.