Rock Island at a glance
- Population: a Census-estimated 1,613, placing it 184th among Washington's 281 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 1,275 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: a gain of roughly 26.5% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Washington places: 184th out of 281 Census places (US Census Bureau).
- Size percentile: roughly 35% of places in Washington rank below it by population (US Census Bureau).
- Coordinates: 47.3732 latitude, -120.1421 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: East Wenatchee, WA (7 mi); Wenatchee, WA (10 mi); Quincy, WA (17 mi); Cashmere, WA (18 mi); Ephrata, WA (29 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Waterville, WA (19 mi); Entiat, WA (21 mi); George, WA (24 mi) — US Census Bureau populations.
What a personal loan costs in Rock Island
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
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.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Washington lending rules that apply in Rock Island
Each row below is a Washington rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Rock Island
The steps below are worth completing first when you borrow in Rock Island:
- 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.