St. John at a glance
- Population: a Census-estimated 595, placing it 227th among Washington's 281 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 598 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a loss of about 0.5% since the 2020 count (US Census Bureau).
- Rank among Washington places: 227th in population of 281 places (US Census Bureau).
- Size percentile: roughly 19% of Washington's places have fewer residents (US Census Bureau).
- Coordinates: mapped at 47.0915, -117.5887 by the US Census Bureau Gazetteer.
- Nearest larger cities: Rosalia, WA (14 mi); Colfax, WA (18 mi); Tekoa, WA (26 mi); Palouse, WA (27 mi); Cheney, WA (28 mi); US Census Bureau population estimates.
- Nearest smaller communities: Malden, WA (11 mi); Endicott, WA (12 mi); Oakesdale, WA (16 mi), each a US Census place.
What a personal loan costs in St. John
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Washington lending rules that apply in St. John
The Washington rate caps and licensing rules that reach St. John are listed below, each with its source and retrieval 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 St. John
Here is a short checklist for comparing personal loans in St. John:
- 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.