Vader at a glance
- Population: a Census-estimated 682, placing it 221st among Washington's 281 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 627 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: up roughly 8.8% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Washington places: 221st by size among 281 communities (US Census Bureau).
- Size percentile: about 21% of Washington's Census places are smaller (US Census Bureau).
- Coordinates: it sits at 46.4045, -122.9569 in the US Census Bureau Gazetteer.
- Nearest larger cities: Toledo, WA (6 mi); Winlock, WA (6 mi); Castle Rock, WA (10 mi); Napavine, WA (13 mi); Longview, WA (18 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller places: Pe Ell, WA (20 mi); Cathlamet, WA (25 mi); Prescott, OR (25 mi) (US Census Bureau estimates).
What a personal loan costs in Vader
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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.
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 Vader
The table lists the Washington rules that apply to a loan made in Vader, each with the regulator that published it.
| 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 Vader
The steps below are worth completing first when you borrow in Vader:
- 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.