Personalloaned Compare rates

WA · city page

Personal loans in Pe Ell, WA

In Pe Ell, a personal loan turns a one-time expense into predictable monthly payments, and the rate you get depends on your credit, income and debts. Census estimates count about 666 residents in Pe Ell, making it the 223rd-largest of 281 places in Washington. Lenders in Washington work under state rate caps and licensing rules, each listed with its publisher in the table below.

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

Compare rates Run the numbers first

Advertising disclosure: Personalloaned may receive a referral fee if you apply through a link on this page. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.

Pe Ell at a glance

  • Population: 666 — 223rd in Washington, which has 281 Census places (US Census Bureau, Vintage 2023).
  • 2020 Census base: the 2020 count put the population at 642 (US Census Bureau).
  • 2020 to 2023 change: up about 3.7% from the 2020 Census base to the 2023 estimate (US Census Bureau).
  • Rank among Washington places: 223rd-largest of 281 (US Census Bureau, Vintage 2023 estimate).
  • Size percentile: larger than about 21% of the Census places in Washington (US Census Bureau).
  • Coordinates: the Census Gazetteer places it at 46.5713, -123.2983.
  • Nearest larger cities: Chehalis, WA (17 mi); Centralia, WA (19 mi); Oakville, WA (19 mi); Napavine, WA (19 mi); Winlock, WA (19 mi); US Census Bureau population estimates.
  • Smaller places close by: Bucoda, WA (26 mi); Cathlamet, WA (26 mi); Prescott, OR (41 mi) (US Census Bureau).

What a personal loan costs in Pe Ell

Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.

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.

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 Pe Ell

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

RuleDetailSource
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
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

How to compare offers in Pe Ell

Run through this list before signing anything in Pe Ell:

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

Related