Personal loans in Brewster, WA
In Brewster, one of 281 Census places in Washington, the figure to compare across lenders is the APR, not the advertised rate. Brewster is home to roughly 2,044 people and stands 164th by size out of 281 Census places in Washington.
Brewster added about 3.0% to its population between the 2020 base and the 2023 estimate. Use the calculator on this page to price an amount and term before you commit in Brewster. Borrowers who want a bigger city can look to Bridgeport, WA about 8 miles away. When Washington caps or restricts a product, lenders either change the terms or withdraw it from Brewster as from the rest of the state.
Brewster: population, trend and location
Two layers matter for a Brewster borrower: the local population picture and Washington's consumer-lending statutes.
- Population: 2,044 — Brewster ranks 164th of 281 communities in Washington (US Census Bureau, Vintage 2023).
- Population trend: Roughly 3.0% more residents than the 2020 Census counted.
- Change in people: the 2020-to-2023 comparison is a gain of about 59 residents.
- Size percentile: about 42% of Washington communities are smaller than Brewster (2,044 residents).
- Density: the Census land area of 1.2 sq mi holds about 1,774 people per square mile.
- By land area: Brewster ranks 192nd among Washington's 281 places, at 1.2 sq mi.
- Water: Brewster holds about 0.35 square miles, the 64th-largest water area in Washington.
- Share of Washington: Brewster holds about 0.0% of the state's population, some 2,044 people.
- National rank: Brewster sits 7,551st by population among the 19,457 places in this dataset.
- Growth rank: Brewster's 2020-to-2023 change ranks 104th of 281 places in Washington.
- Against the state trend: Brewster's 3.0% change compares with a Washington average of +2.8% across its 281 places.
- Density rank: Brewster is the 118th most densely settled place in Washington.
- Density in context: Brewster's 1,774 people per square mile sit against a Washington median of 1,518.
- Location: 48.1070 / -119.7698, per the US Census Bureau Gazetteer.
- Nearest larger cities: Bridgeport (8 mi); Okanogan (20 mi); Chelan (21 mi); Omak (24 mi); Cashmere (52 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller places close by: Pateros (7 mi); Mansfield (21 mi); Twisp (24 mi).
- Smaller neighbours: 17 places smaller than Brewster sit within 50 miles.
- Within 100 miles: 20 places are larger than Brewster.
Before you apply in Brewster
Before you apply in Brewster, a community of about 2,044, work through these steps:
- Pull your credit reports first and correct any error before a lender sees the file.
- Use the loan calculator to test the payment on your intended amount and term.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Confirm the lender holds a Washington licence by checking the regulator named above.
- Weigh a shorter term's higher payment against the interest it saves.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
- Write down the purpose of the loan and your repayment plan before you apply.
None of these steps is Brewster-specific: the same Washington licensing and disclosure rules reach all 2,044 residents.
Getting a loan in Brewster
At roughly 1,774 people per square mile, Brewster is moderately settled; 4 larger places lie within 50 miles. Whether Brewster has a local branch or not, a Washington-licensed lender can serve its 2,044 people online on the same terms. The nearest bigger place is Bridgeport, WA about 8 miles away.
How personal loans work in Brewster
Brewster is a small community of about 2,044 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Brewster can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Brewster loan is knowable in advance — unlike a revolving card balance.
Brewster against the rest of Washington
Set beside Washington's 281 places, Brewster ranks 164th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Brewster ranks 104th of 281 in Washington (about the 63th percentile). By density, at about 1,774 people per square mile, it ranks 118th in Washington. Within 50 miles sit 17 smaller Census places, alongside the 4 that are larger.
What Washington law requires in Brewster
Washington has no separate rate rule for Brewster; the sourced rows below are what reach every lender that serves its 2,044 people.
| 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 |
| 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 |
Common questions
What are my options in Brewster if my credit is poor?
What loan size can I expect in Brewster?
Do I have to pledge anything to borrow in Brewster?
Does comparing loans in Brewster cost me credit score points?
Nearby places
- Bridgeport, WA — population 2,156
- Pateros, WA — population 611
- Okanogan, WA — population 2,418
- Mansfield, WA — population 328
- Chelan, WA — population 4,412
- Omak, WA — population 5,004
- Twisp, WA — population 1,065
- Conconully, WA — population 194