Warden at a glance
- Population: 2,667 residents, the 149th-largest of 281 places in Washington (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 2,448 residents here (US Census Bureau).
- 2020 to 2023 change: about 8.9% more residents than the 2020 Census base (US Census Bureau).
- Rank among Washington places: the 149th-largest of 281 (US Census Bureau, 2023 estimate).
- Size percentile: it exceeds roughly 47% of Washington's Census places by population (US Census Bureau).
- Coordinates: mapped at 46.9673, -119.0528 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Othello, WA (11 mi); Moses Lake, WA (15 mi); Connell, WA (23 mi); Ephrata, WA (33 mi); Quincy, WA (42 mi) (US Census Bureau populations).
- Nearest smaller communities: Hatton, WA (17 mi); Lind, WA (21 mi); Royal City, WA (27 mi), each a US Census place.
What a personal loan costs in Warden
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Washington lending rules that apply in Warden
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 |
|---|---|---|
| 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 Warden
Before you commit to a personal loan in Warden, work through these steps:
- 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.