Personalloaned Compare rates

WA · city page

Personal loans in Wilbur, WA

In Wilbur, a personal loan turns a one-time expense into predictable monthly payments, and the rate you get depends on your credit, income and debts. At about 924 residents, Wilbur is the 211th-largest of the 281 Census places in Washington. Washington sets the rate caps and licensing rules a lender must follow here, and the sourced table below lists them.

By the Personalloaned Editorial Team · Last updated 2026-09-16

Compare rates Run the numbers first

Advertising disclosure: Personalloaned may receive a referral fee if you apply through a link on this page. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.

Wilbur at a glance

  • Population: 924 (US Census Bureau, Vintage 2023 subcounty estimate), the 211th-largest of 281 places in Washington.
  • 2020 Census base: 894 residents at the 2020 Census (US Census Bureau, 2020 count).
  • 2020 to 2023 change: roughly 3.4% higher than at the 2020 Census (US Census Bureau).
  • Rank among Washington places: 211th out of 281 Census places (US Census Bureau).
  • Size percentile: ahead of around 25% of Washington places in population terms (US Census Bureau).
  • Coordinates: 47.7581 latitude, -118.7119 longitude (US Census Bureau Gazetteer).
  • Nearest larger cities: Grand Coulee, WA (18 mi); Electric City, WA (19 mi); Coulee Dam, WA (19 mi); Davenport, WA (27 mi); Odessa, WA (29 mi); each population is a US Census Bureau estimate.
  • Smaller places close by: Creston, WA (9 mi); Almira, WA (11 mi); Hartline, WA (19 mi) (US Census Bureau).

What a personal loan costs in Wilbur

With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.

APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.

A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.

Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.

Washington lending rules that apply in Wilbur

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.

RuleDetailSource
State lending regulatorWashington 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 statusLicensed; 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 licensingConsumer 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

How to compare offers in Wilbur

The steps below are worth completing first when you borrow in Wilbur:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Washington using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Wilbur?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Wilbur are the same as elsewhere in Washington.
How much can I borrow with a personal loan in Wilbur?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Wilbur require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Wilbur hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

Related