Rosalia at a glance
- Population: 610 people, the 226th-largest place among Washington's 281 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 596 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: an increase of about 2.3% since the 2020 count (US Census Bureau).
- Rank among Washington places: 226th largest of 281 (US Census Bureau).
- Size percentile: roughly 20% of places in Washington rank below it by population (US Census Bureau).
- Coordinates: mapped at 47.2363, -117.3765 by the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Tekoa, WA (14 mi); Cheney, WA (20 mi); Colfax, WA (22 mi); Plummer, ID (24 mi); Palouse, WA (27 mi) (US Census Bureau).
- Nearest smaller towns: Malden, WA (5 mi); Oakesdale, WA (10 mi); Waverly, WA (10 mi) (US Census Bureau).
What a personal loan costs in Rosalia
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Rosalia
The sourced rows below are the rules a licensed lender must follow when lending in Washington, and therefore in Rosalia.
| 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 Rosalia
A few practical steps will make the process in Rosalia less costly:
- 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.