Washington at a glance
- Population: 33,877 residents, the 33rd-largest of 255 places in Utah (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 27,992 (US Census Bureau).
- 2020 to 2023 change: roughly 21.0% higher than at the 2020 Census (US Census Bureau).
- Rank among Utah places: 33rd by size among 255 communities (US Census Bureau).
- Size percentile: about 87% of places in Utah are smaller (US Census Bureau).
- Coordinates: it sits at 37.1267, -113.4878 in the US Census Bureau Gazetteer.
- Nearest larger cities: St. George, UT (6 mi); Cedar City, UT (44 mi); North Las Vegas, NV (106 mi); Henderson, NV (115 mi); Las Vegas, NV (116 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Hurricane, UT (7 mi); Santa Clara, UT (9 mi); Leeds, UT (11 mi) (US Census Bureau).
What a personal loan costs in Washington
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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.
Utah lending rules that apply in Washington
The table carries the Utah rate and licensing rules that apply to consumer loans made in Washington.
| Rule | Detail | Source |
|---|---|---|
| Maximum legal interest rate (usury cap) | No general cap — parties may agree to any rate; 10% per annum legal rate if no rate is specified (Utah Code § 15-1-1) Source says: The parties to a lawful written, verbal, or implied contract may agree upon any rate of interest for the contract | Utah State Legislature as of 2026-09-16 |
| Payday lending status | Legal; deferred deposit lenders must register with the Utah DFI (Utah Code Title 7, ch. 23) Source says: It is unlawful for a person to engage in the business of cashing checks or the business of deferred deposit lending in Utah | Utah State Legislature as of 2026-09-16 |
| Small-loan / installment lender licensing | Consumer lenders under the Utah Consumer Credit Code (Title 70C) must file a Consumer Credit Notification via NMLS Source says: Entities subject to the UCCC's notification requirement must file a Consumer Credit Notification (CCN) through the Nationwide Multistate Licensing System (NMLS). | Utah Department of Financial Institutions (DFI) as of 2026-09-16 |
| State lending regulator | Utah Department of Financial Institutions (DFI) Source says: The Department of Financial Institutions regulates 19 banks, 22 credit unions, 17 industrial banks and 1 trust company. | Utah Department of Financial Institutions (DFI) as of 2026-09-16 |
How to compare offers in Washington
Before you commit to a personal loan in Washington, 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 Utah using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.