Springdale at a glance
- Population: 272 — 260th in Washington, which has 281 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 236 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: roughly 15.3% higher than at the 2020 Census (US Census Bureau).
- Rank among Washington places: 260th by size among 281 communities (US Census Bureau).
- Size percentile: roughly 7% of Washington's places have fewer residents (US Census Bureau).
- Coordinates: mapped at 48.0572, -117.7466 by the US Census Bureau Gazetteer.
- Nearest larger cities: Deer Park, WA (16 mi); Chewelah, WA (16 mi); Reardan, WA (27 mi); Airway Heights, WA (29 mi); Spokane, WA (31 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Cusick, WA (28 mi); Oldtown, ID (35 mi); State Line, ID (41 mi), each a US Census place.
What a personal loan costs in Springdale
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.
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.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Washington lending rules that apply in Springdale
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 |
|---|---|---|
| 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 Springdale
A few practical steps will make the process in Springdale 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.