Personal loans in Anacortes, WA
State law, not city hall, decides what a lender may do to Anacortes's roughly 18,012 residents, and a state regulator supervises it.
A personal loan in Anacortes is priced from your credit file and income, not from the fact that the city holds 18,012 people. An estimated 18,012 people make their home in Anacortes, a figure that ranks 62nd in Washington. Anacortes gained roughly 2.1% in population across the 2020-to-2023 comparison. Verify the lender's Washington licence against the regulator named below before borrowing in Anacortes. The closest larger place is Oak Harbor, WA about 13 miles away.
Anacortes by the numbers
The figures below are Anacortes's own — Census population, land area and coordinates — followed by the Washington rules.
- Population: about 18,012, ranked 62nd of 281 places in Washington (Census Vintage 2023 subcounty estimate).
- Population trend: A gain of roughly 2.1% between 2020 and 2023.
- People gained or lost: about 373 more since the 2020 base.
- Size percentile: roughly 78% of Washington's places have fewer residents than Anacortes's 18,012.
- Population density: about 1,540 people per square mile across 11.7 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Anacortes covers 11.7 square miles, the 36th-largest area among Washington's 281 places.
- Water area rank: Anacortes ranks 10th among Washington's 281 places, with 3.95 sq mi.
- State population share: Anacortes accounts for about 0.4% of everyone in Washington.
- National rank: Anacortes is the 2,060th most populous of the 19,457 Census places covered here.
- Growth in Washington: Anacortes stands 121st by percentage change from 2020 to 2023, among 281 places.
- State comparison: Washington's places average +2.8% for 2020-to-2023, against Anacortes's 2.1%.
- Density in Washington: Anacortes ranks 138th by people per square mile.
- Density vs Washington: Anacortes's 1,540 people per square mile compare with a state median of 1,518.
- Location: mapped by the US Census Bureau at 48.4887, -122.6240.
- Nearest larger cities: Oak Harbor (13 mi); Mount Vernon (15 mi); Bellingham (20 mi); Arlington (31 mi); Marysville (36 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller places: La Conner (9 mi); Burlington (14 mi); Sedro-Woolley (18 mi).
- Smaller places within 50 miles: 22 of them.
- At 100 miles: 41 larger Census places fall inside that radius.
Where Anacortes sits in Washington
Anacortes is the 62nd-largest of 281 Census places in Washington and contains about 0.4% of the state's people. Its 2020-to-2023 change ranks 121st of 281 Washington places, putting it near the 57th percentile for growth. Its roughly 1,540 residents per square mile place it 138th among Washington's places. Within 50 miles sit 22 smaller Census places, alongside the 12 that are larger.
Steps to take before a Anacortes loan
A sensible order of operations for a loan in Anacortes, home to about 18,012 people:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Shop at least three lenders and judge them on APR and total cost.
- Verify the lender's Washington licence with the regulator listed on this page.
- Make sure the new payment leaves room in a budget you already keep.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
- Keep the amount to the expense; an approval is not a reason to take more.
In Anacortes as elsewhere in Washington, the written terms — not the advertisement — are what count for its 18,012 residents.
The geography behind Anacortes
Anacortes covers about 11.7 square miles of land, with 3.95 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 1,540 residents per square mile. For the state's biggest city, Seattle, the distance is roughly 61 miles. Anacortes has 12 larger places within a 50-mile radius. The 100-mile radius contains 41 larger places.
Washington rules behind a Anacortes personal loan
When Washington does not publish a figure, the row links to the source instead of inventing a number; Anacortes is bound by the same rules.
| 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 |
| 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 |
Getting a loan in Anacortes
Anacortes is moderately settled, with about 1,540 people per square mile and 12 larger places within 50 miles. Lenders licensed in Washington reach Anacortes's 18,012 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Oak Harbor, WA about 13 miles away.
Common questions
What are my options in Anacortes if my credit is poor?
What loan size can I expect in Anacortes?
Do I have to pledge anything to borrow in Anacortes?
Does comparing loans in Anacortes cost me credit score points?
Nearby places
- La Conner, WA — population 982
- Oak Harbor, WA — population 24,016
- Coupeville, WA — population 1,928
- Burlington, WA — population 10,358
- Bellingham, WA — population 94,720
- Mount Vernon, WA — population 35,259
- Ferndale, WA — population 15,992
- Stanwood, WA — population 9,016