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Personal loans in Pasco, WA

Borrowers in Pasco use personal loans to consolidate balances or cover a one-time cost, and the terms depend on your credit, income and existing obligations. The Census counts about 80,038 residents in Pasco, ranking it 17th among the 281 places in Washington. The rate caps and licensing requirements that apply to a lender in Washington are set out in the sourced table below.

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

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Pasco at a glance

  • Population: the Census estimates 80,038 residents, ranking 17th of 281 places in Washington (Vintage 2023).
  • 2020 Census base: 77,349 residents (US Census Bureau, 2020 Census).
  • 2020 to 2023 change: up roughly 3.5% across the 2020-to-2023 comparison (US Census Bureau).
  • Rank among Washington places: 17th in population of 281 places (US Census Bureau).
  • Size percentile: about 94% of Washington's Census places are smaller (US Census Bureau).
  • Coordinates: mapped at 46.2661, -119.1214 by the US Census Bureau Gazetteer.
  • Nearest larger cities: Kennewick, WA (5 mi); Yakima, WA (72 mi), each a US Census place with its estimated population.
  • Nearest smaller communities: Richland, WA (8 mi); West Richland, WA (13 mi); Benton City, WA (17 mi), each a US Census place.

What a personal loan costs in Pasco

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

Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.

The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.

Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.

Washington lending rules that apply in Pasco

Each row below is a Washington rule with its publisher and the date it was retrieved.

RuleDetailSource
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
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

How to compare offers in Pasco

These steps are the ones that most affect the offer you receive in Pasco:

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