Personal loans in Bremerton, WA
Bremerton is a smaller city in Washington, with an estimated 45,450 residents, and every licensed lender here follows the same state rulebook.
The Census counts 45,450 people in Bremerton, the 27th-largest figure among Washington's 281 places. Decide the purpose of the loan and your repayment plan before sharing any details with a Bremerton lender. The 2020 count to the 2023 estimate shows about 4.5% growth in Bremerton. Consumer lending that reaches Bremerton's 45,450 residents is governed by Washington statute; no city ordinance changes it. The closest larger place is Seattle, WA about 18 miles away.
The Bremerton data picture
Bremerton is a smaller city; the notes below cover its population profile and the statewide rules that apply.
- Population: 45,450 people, a figure that places Bremerton 27th among the 281 Census places in Washington (US Census Bureau, Vintage 2023).
- Population trend: A gain of roughly 4.5% between 2020 and 2023.
- People gained or lost: about 1,950 more since the 2020 base.
- Size percentile: with 45,450 residents, Bremerton is larger than about 90% of Washington's Census places.
- Density: the Census land area of 28.4 sq mi holds about 1,599 people per square mile.
- Land area rank: Bremerton's 28.4 square miles rank 13th of 281 places in Washington.
- Water area rank: Bremerton ranks 12th among Washington's 281 places, with 3.74 sq mi.
- State population share: Bremerton accounts for about 0.9% of everyone in Washington.
- National rank: Bremerton is the 875th most populous of the 19,457 Census places covered here.
- Growth rank: Bremerton ranks 71st among Washington's 281 places for the 2020-to-2023 change.
- Versus Washington: the state average change is +2.8%, while Bremerton moved 4.5%.
- Density rank: Bremerton places 133rd among Washington's places by people per square mile.
- Density vs Washington: Bremerton's 1,599 people per square mile compare with a state median of 1,518.
- Location: it lies at 47.5399, -122.7170 in the Census Gazetteer.
- Nearest larger cities: Seattle (18 mi); Burien (18 mi); Shoreline (23 mi); Tacoma (23 mi); Federal Way (24 mi). Living near a larger metro rarely changes what is available in Bremerton.
- Smaller communities within reach: Port Orchard (4 mi); Bainbridge Island (12 mi); Poulsbo (14 mi).
- Within a 50-mile radius: 68 smaller Census places.
- Within 100 miles: 19 places are larger than Bremerton.
Bremerton: area, density and distance
Bremerton covers about 28.4 square miles of land, with 3.74 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 1,599 people per square mile. For the state's biggest city, Seattle, the distance is roughly 18 miles. A 50-mile radius around Bremerton takes in 18 places that are larger. Within the same 50 miles lie 68 smaller Census places.
Steps to take before a Bremerton loan
Before you hand your details to a lender in Bremerton, where the population is near 45,450:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Model the payment on the calculator before a lender models it for you.
- Line up several pre-qualified offers and let the APR decide.
- Confirm the Washington licence with the regulator named above before committing.
- Make sure the new payment leaves room in a budget you already keep.
- Pick the shortest term whose payment you can comfortably afford.
- Keep the amount to the expense; an approval is not a reason to take more.
In Bremerton as elsewhere in Washington, the written terms — not the advertisement — are what count for its 45,450 residents.
Bremerton in state context
Set beside Washington's 281 places, Bremerton ranks 27th by population and holds about 0.9% of the state total. On the 2020-to-2023 trend, Bremerton stands 71st among Washington's 281 places — roughly the 75th percentile. At about 1,599 people per square mile, Bremerton is the 133rd most densely settled place in Washington. In land area, Bremerton ranks 13th among Washington's 281 places.
Washington consumer-lending rules applied in Bremerton
When Washington does not publish a figure, the row links to the source instead of inventing a number; Bremerton 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 |
How lenders reach Bremerton
Bremerton is moderately settled, with about 1,599 people per square mile and 18 larger places within 50 miles. Distance to a branch rarely matters for Bremerton's 45,450 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Seattle, WA about 18 miles away.
Common questions
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Nearby places
- Port Orchard, WA — population 17,950
- Poulsbo, WA — population 12,171
- Gig Harbor, WA — population 12,604
- Bainbridge Island, WA — population 24,254
- Ruston, WA — population 1,028
- University Place, WA — population 35,049
- Fircrest, WA — population 6,932
- Seattle, WA — population 755,078