Personal loans in Bothell, WA
Lenders active in Bothell report to a Washington supervisor, identified in the sourced rows below. Bothell is one of 281 Census places in Washington; its 50,213 residents put it at 26th.
Personal loans in Bothell are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 50,213 population. From the 2020 Census base to the 2023 estimate, the population rose by about 4.3%. Pull your credit reports and line up at least three offers before you apply from Bothell. The closest larger city is Kirkland, WA about 5 miles away.
The Bothell data picture
The figures below are Bothell's own — Census population, land area and coordinates — followed by the Washington rules.
- Population: 50,213 residents; Bothell is the 26th-largest of 281 places in Washington (US Census Bureau, Vintage 2023).
- Population trend: A gain of roughly 4.3% between 2020 and 2023.
- Absolute change: 2,062 residents added between 2020 and 2023.
- Size percentile: with 50,213 residents, Bothell is larger than about 91% of Washington's Census places.
- Population density: 3,683 people per square mile on 13.6 square miles of land.
- By land area: Bothell ranks 33rd among Washington's 281 places, at 13.6 sq mi.
- Share of Washington: Bothell holds about 1.0% of the state's population, some 50,213 people.
- Nationally: Bothell is the 789th-largest of 19,457 Census places in the dataset.
- Growth in Washington: Bothell stands 76th by percentage change from 2020 to 2023, among 281 places.
- Against the state trend: Bothell's 4.3% change compares with a Washington average of +2.8% across its 281 places.
- Density rank: Bothell places 29th among Washington's places by people per square mile.
- Density vs Washington: Bothell's 3,683 people per square mile compare with a state median of 1,518.
- Location: 47.7735 / -122.2044, per the US Census Bureau Gazetteer.
- Nearest larger cities: Kirkland (5 mi); Shoreline (7 mi); Redmond (8 mi); Bellevue (12 mi); Seattle (13 mi). Larger metros often have more branches, but online lenders reach Bothell on the same terms.
- Nearest smaller places: Kenmore (3 mi); Woodinville (3 mi); Brier (3 mi).
- Within a 50-mile radius: 71 smaller Census places.
- Larger places within 100 miles: 18.
Inside a Bothell personal loan
With roughly 50,213 residents, Bothell is a mid-sized city; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Bothell lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Bothell loan is knowable in advance — unlike a revolving card balance.
How Washington law applies in Bothell
These are Washington's sourced lending facts as they reach Bothell's 50,213 residents; the state has no city-level rate rule.
| 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 |
| 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 |
| 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 |
Getting a loan in Bothell
With about 3,683 residents per square mile, Bothell is fairly dense, and 15 larger Census places sit within 50 miles. Whether Bothell has a local branch or not, a Washington-licensed lender can serve its 50,213 people online on the same terms. The nearest bigger place is Kirkland, WA about 5 miles away.
Land, water and location for Bothell
Bothell's land area is roughly 13.6 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 3,683 people per square mile. The state's population centre of gravity, Seattle, is roughly 13 miles away. Within 50 miles of Bothell there are 15 larger Census places. Within the same 50 miles lie 71 smaller Census places.
Bothell's place among Washington's 281 places
Bothell is the 26th-largest of 281 Census places in Washington and contains about 1.0% of the state's people. On the 2020-to-2023 trend, Bothell stands 76th among Washington's 281 places — roughly the 73th percentile. By density, at about 3,683 people per square mile, it ranks 29th in Washington. Between 2020 and 2023 the count changed by roughly 2,062 residents.
Common questions
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Nearby places
- Kenmore, WA — population 23,391
- Woodinville, WA — population 13,718
- Brier, WA — population 6,460
- Kirkland, WA — population 91,194
- Lake Forest Park, WA — population 13,006
- Mill Creek, WA — population 20,742
- Mountlake Terrace, WA — population 21,516
- Lynnwood, WA — population 43,867