Roslyn at a glance
- Population: about 954, 208th by size in Washington of 281 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 952 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: up about 0.2% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Washington places: 208th out of 281 Census places (US Census Bureau).
- Size percentile: about 26% of places in Washington are smaller (US Census Bureau).
- Coordinates: 47.2700 / -121.1412, per the US Census Bureau Gazetteer.
- Nearest larger cities: Cle Elum, WA (10 mi); Leavenworth, WA (32 mi); North Bend, WA (33 mi); Ellensburg, WA (33 mi); Cashmere, WA (36 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: South Cle Elum, WA (11 mi); Skykomish, WA (32 mi); Index, WA (43 mi) (US Census Bureau).
What a personal loan costs in Roslyn
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Roslyn
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Roslyn
The steps below are worth completing first when you borrow in Roslyn:
- 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.