Personal loans in Benton City, WA

To lend to Benton City's 3,733 residents, a company must hold a Washington licence, and each sourced row below names the regulator behind it. With an estimated 3,733 residents, Benton City is the 133rd-largest of 281 places in Washington. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Benton City loan. Benton City gained roughly 7.2% in population across the 2020-to-2023 comparison. The nearest larger metro is West Richland, WA about 6 miles away.

The Benton City data picture

Set out below is Benton City's local context next to the state-level rules that reach every lender here.

• Population: the Census counts 3,733 residents in Benton City (Vintage 2023 subcounty estimate), the 133rd-largest figure among Washington's 281 places.
• Population trend: The 2020-to-2023 change is positive, near 7.2%.
• Change in people: the 2020-to-2023 comparison is a gain of about 250 residents.
• Size percentile: Benton City's 3,733 people outrank roughly 53% of the places in Washington.
• Land and density: 2.5 square miles of land carry roughly 1,500 residents per square mile.
• Land area rank: Benton City's 2.5 square miles rank 135th of 281 places in Washington.
• Water: Benton City holds about 0.07 square miles, the 125th-largest water area in Washington.
• State share: roughly 0.1% of Washington's residents live in Benton City (3,733 people).
• National rank: Benton City is 5,636th of 19,457 places nationwide.
• Growth rank: Benton City ranks 39th among Washington's 281 places for the 2020-to-2023 change.
• State comparison: Washington's places average +2.8% for 2020-to-2023, against Benton City's 7.2%.
• Density rank: Benton City places 144th among Washington's places by people per square mile.
• Against the state median: Benton City runs about 1,500 residents per square mile, where the Washington median is 1,518.
• Location: coordinates 46.2637, -119.4790 (US Census Bureau Gazetteer).
• Nearest larger cities: West Richland (6 mi); Richland (9 mi); Prosser (14 mi); Kennewick (15 mi); Pasco (17 mi). Lenders licensed in the state serve Benton City whether or not they keep a local branch.
• Nearest smaller towns: Mabton (25 mi); Irrigon (25 mi); Mesa (31 mi).
• Smaller neighbours: 10 places smaller than Benton City sit within 50 miles.
• At 100 miles: 31 larger Census places fall inside that radius.

Inside a Benton City personal loan

With roughly 3,733 residents, Benton City is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Benton City can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Benton City loan is knowable in advance — unlike a revolving card balance.

Where Benton City sits in Washington

Benton City is the 133rd-largest of 281 Census places in Washington and contains about 0.1% of the state's people. For population change between 2020 and 2023, Benton City ranks 39th of 281 in Washington (about the 86th percentile). By density, at about 1,500 people per square mile, it ranks 144th in Washington. In land area, Benton City ranks 135th among Washington's 281 places.

Benton City: area, density and distance

The Census Gazetteer records 2.5 square miles of land and 0.07 square miles of water within Benton City. With 3,733 residents, the land area yields roughly 1,500 people per square mile. Seattle, the largest place in Washington, is about 165 miles from Benton City. A 50-mile radius around Benton City takes in 16 places that are larger. The 100-mile radius contains 31 larger places.

How Washington law applies in Benton City

This table holds the Washington rate and licensing rules for consumer loans made to Benton City's 3,733 residents.

What to do before borrowing in Benton City

Before you apply in Benton City, a community of about 3,733, work through these steps:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Confirm the lender holds a Washington licence by checking the regulator named above.
5. Be clear on what the loan is for and how it gets repaid.
6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
7. Look for an origination fee or prepayment penalty in the written disclosure.

None of these steps is Benton City-specific: the same Washington licensing and disclosure rules reach all 3,733 residents.