Sammamish at a glance
- Population: 65,116 people, the 19th-largest place among Washington's 281 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 67,457 (US Census Bureau).
- 2020 to 2023 change: population fell about 3.5% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Washington places: 19th largest of 281 (US Census Bureau).
- Size percentile: it is larger than about 93% of the places in Washington (US Census Bureau).
- Coordinates: 47.5943, -122.0381 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Bellevue, WA (6 mi); Redmond, WA (7 mi); Kirkland, WA (10 mi); Renton, WA (11 mi); Seattle, WA (15 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: Issaquah, WA (3 mi); Carnation, WA (7 mi); Newcastle, WA (7 mi) (US Census Bureau estimates).
What a personal loan costs in Sammamish
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Washington lending rules that apply in Sammamish
Read the table as the compliance picture for a lender serving Sammamish: 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 Sammamish
Before you commit to a personal loan in Sammamish, work through these steps:
- 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.