Washtucna at a glance
- Population: 200 (US Census Bureau, Vintage 2023 subcounty estimate), the 266th-largest of 281 places in Washington.
- 2020 Census base: the 2020 count put the population at 205 (US Census Bureau).
- 2020 to 2023 change: a loss of about 2.4% since the 2020 count (US Census Bureau).
- Rank among Washington places: 266th-largest of 281 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: larger than about 5% of the Census places in Washington (US Census Bureau).
- Coordinates: 46.7539 / -118.3105, per the US Census Bureau Gazetteer.
- Nearest larger cities: LaCrosse, WA (19 mi); Lind, WA (21 mi); Ritzville, WA (26 mi); Connell, WA (26 mi); Prescott, WA (31 mi), each a US Census place with its estimated population.
- Smaller towns nearby: Kahlotus, WA (14 mi); Starbuck, WA (18 mi); Hatton, WA (25 mi) (US Census Bureau).
What a personal loan costs in Washtucna
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
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 Washtucna
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Washtucna
These steps are the ones that most affect the offer you receive in Washtucna:
- 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.