Port Angeles at a glance
- Population: 20,101 residents, the 57th-largest of 281 places in Washington (US Census Bureau, Vintage 2023).
- 2020 Census base: 19,964 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: up about 0.7% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Washington places: 57th of 281 by population (US Census Bureau, Vintage 2023).
- Size percentile: ahead of around 80% of Washington places in population terms (US Census Bureau).
- Coordinates: 48.1192 latitude, -123.4480 longitude (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Oak Harbor, WA (40 mi); Bremerton, WA (52 mi); Bainbridge Island, WA (55 mi); Mukilteo, WA (55 mi); Edmonds, WA (55 mi) (US Census Bureau).
- Smaller towns nearby: Sequim, WA (17 mi); Port Townsend, WA (30 mi); Friday Harbor, WA (35 mi) (US Census Bureau).
What a personal loan costs in Port Angeles
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Washington lending rules that apply in Port Angeles
Read the table as the compliance picture for a lender serving Port Angeles: label, sourced figure, publisher and date.
| 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 Port Angeles
The steps below are worth completing first when you borrow in Port Angeles:
- 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.