Woodinville at a glance
- Population: about 13,718 residents, ranking 71st of 281 Census places in Washington (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 13,062 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: up roughly 5.0% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Washington places: 71st by size among 281 communities (US Census Bureau).
- Size percentile: it exceeds roughly 75% of Washington's Census places by population (US Census Bureau).
- Coordinates: 47.7577 / -122.1468, per the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Bothell, WA (3 mi); Kenmore, WA (5 mi); Kirkland, WA (5 mi); Redmond, WA (6 mi); Mountlake Terrace, WA (8 mi) (US Census Bureau).
- Nearest smaller communities: Brier, WA (6 mi); Lake Forest Park, WA (7 mi); Duvall, WA (8 mi), each a US Census place.
What a personal loan costs in Woodinville
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Washington lending rules that apply in Woodinville
The Washington rate caps and licensing rules that reach Woodinville are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Woodinville
A few practical steps will make the process in Woodinville less costly:
- 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.