Westport at a glance
- Population: 2,286 (US Census Bureau, Vintage 2023 subcounty estimate), the 158th-largest of 281 places in Washington.
- 2020 Census base: 2,216 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: population rose about 3.2% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Washington places: 158th of the state's 281 Census places (US Census Bureau).
- Size percentile: about 44% of places in Washington are smaller (US Census Bureau).
- Coordinates: 46.8918, -124.1198 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Ocean Shores, WA (5 mi); Hoquiam, WA (12 mi); Aberdeen, WA (16 mi); Raymond, WA (23 mi); Montesano, WA (27 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Cosmopolis, WA (17 mi); South Bend, WA (21 mi); Long Beach, WA (37 mi) (Census populations).
What a personal loan costs in Westport
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Washington lending rules that apply in Westport
The table lists the Washington rules that apply to a loan made in Westport, 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 Westport
Run through this list before signing anything in Westport:
- 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.