Tieton at a glance
- Population: 1,638 residents, the 181st-largest of 281 places in Washington (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,388 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: up roughly 18.0% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Washington places: 181st-largest of 281 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 36% of Washington's Census places are smaller (US Census Bureau).
- Coordinates: 46.7026, -120.7558 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Selah, WA (11 mi); Yakima, WA (12 mi); Union Gap, WA (16 mi); Moxee, WA (20 mi); Ellensburg, WA (23 mi); each population is a US Census Bureau estimate.
- Smaller towns nearby: Naches, WA (3 mi); Harrah, WA (23 mi); Kittitas, WA (25 mi) (US Census Bureau).
What a personal loan costs in Tieton
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Washington lending rules that apply in Tieton
The sourced rows below are the rules a licensed lender must follow when lending in Washington, and therefore in Tieton.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Tieton
The order below is a sensible way to approach a loan in Tieton:
- 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.