Yacolt at a glance
- Population: a Census-estimated 1,620, placing it 183rd among Washington's 281 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 1,668 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: population fell about 2.9% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Washington places: 183rd of the state's 281 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 35% of Washington's Census places by population (US Census Bureau).
- Coordinates: latitude 45.8652, longitude -122.4063 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Battle Ground, WA (9 mi); La Center, WA (13 mi); Ridgefield, WA (13 mi); Woodland, WA (17 mi); Vancouver, WA (18 mi) (US Census Bureau populations).
- Smaller places nearby: Maywood Park, OR (23 mi); North Bonneville, WA (26 mi); Prescott, OR (26 mi), per US Census Bureau estimates.
What a personal loan costs in Yacolt
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Yacolt
The table lists the Washington rules that apply to a loan made in Yacolt, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Yacolt
Run through this list before signing anything in Yacolt:
- 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.