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Personal loans in Stevenson, WA

For residents of Stevenson, a personal loan is a lump sum with a fixed repayment schedule, and its cost reflects your credit, income and debt-to-income picture. Stevenson's Census population of roughly 1,621 makes it the 182nd-largest of 281 places in Washington. The sourced table below lists the Washington rate caps and licensing rules a lender must follow on a loan made here.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Stevenson at a glance

  • Population: about 1,621 residents, ranking 182nd of 281 Census places in Washington (US Census Bureau, Vintage 2023 subcounty estimate).
  • 2020 Census base: 1,487 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
  • 2020 to 2023 change: an increase of about 9.0% since the 2020 count (US Census Bureau).
  • Rank among Washington places: 182nd of the state's 281 Census places (US Census Bureau).
  • Size percentile: it is larger than about 35% of the places in Washington (US Census Bureau).
  • Coordinates: the Census Gazetteer places it at 45.6947, -121.8964.
  • Nearest larger cities (within 120 miles): Hood River, OR (18 mi); White Salmon, WA (20 mi); Washougal, WA (23 mi); Troutdale, OR (26 mi); Camas, WA (27 mi) (US Census Bureau populations).
  • Nearest smaller towns: Cascade Locks, OR (2 mi); North Bonneville, WA (5 mi); Bingen, WA (21 mi) (US Census Bureau).

What a personal loan costs in Stevenson

Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.

Compare every quote on APR because it includes the fees the interest rate hides, and check the payment 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.

Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.

Washington lending rules that apply in Stevenson

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.

RuleDetailSource
State lending regulatorWashington 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 statusLicensed; 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 licensingConsumer 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

How to compare offers in Stevenson

Before you commit to a personal loan in Stevenson, work through these steps:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Washington using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Stevenson?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Stevenson are the same as elsewhere in Washington.
How much can I borrow with a personal loan in Stevenson?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Stevenson require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Stevenson hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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