Riverside at a glance
- Population: 332, the 251st-largest community in Washington out of 281 (US Census Bureau, Vintage 2023).
- 2020 Census base: 324 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 2.5% higher than at the 2020 Census (US Census Bureau).
- Rank among Washington places: 251st in population of 281 places (US Census Bureau).
- Size percentile: roughly 11% of places in Washington rank below it by population (US Census Bureau).
- Coordinates: mapped at 48.5129, -119.5157 by the US Census Bureau Gazetteer.
- Nearest larger cities: Omak, WA (6 mi); Okanogan, WA (10 mi); Tonasket, WA (14 mi); Twisp, WA (30 mi); Oroville, WA (30 mi), each a US Census place with its estimated population.
- Smaller towns nearby: Conconully, WA (11 mi); Nespelem, WA (35 mi); Elmer City, WA (44 mi) (US Census Bureau).
What a personal loan costs in Riverside
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Riverside
Read the table as the compliance picture for a lender serving Riverside: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Riverside
The steps below are worth completing first when you borrow in Riverside:
- 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.