Personal loans in Cle Elum, WA

Compare APR, not the interest rate, because the APR folds in most fees on a Cle Elum loan. With an estimated 2,211 residents, Cle Elum is the 160th-largest of 281 places in Washington. A lender that serves Cle Elum operates under Washington lending statutes and a Washington supervisor. Population in Cle Elum climbed about 2.4% over the three years from 2020 to 2023. Borrowers who want a bigger city can look to Ellensburg, WA about 23 miles away.

Cle Elum by the numbers

What follows is Cle Elum's place in the Census record, alongside the Washington rules that govern a personal loan made here.

• Population: an estimated 2,211 residents, 160th of 281 places in Washington (Census Vintage 2023 subcounty estimate).
• Population trend: Up about 2.4% from the 2020 Census base to the 2023 estimate.
• Absolute change: 51 residents added between 2020 and 2023.
• Size percentile: about 43% of Washington's Census places are smaller than Cle Elum.
• Population density: about 492 people per square mile across 4.5 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Cle Elum covers 4.5 square miles, the 101st-largest area among Washington's 281 places.
• Share of Washington: Cle Elum holds about 0.0% of the state's population, some 2,211 people.
• National rank: Cle Elum is 7,261st of 19,457 places nationwide.
• Growth rank: Cle Elum ranks 113th among Washington's 281 places for the 2020-to-2023 change.
• Against the state trend: Cle Elum's 2.4% change compares with a Washington average of +2.8% across its 281 places.
• Density rank: Cle Elum is the 260th most densely settled place in Washington.
• Density vs Washington: Cle Elum's 492 people per square mile compare with a state median of 1,518.
• Location: 47.1946, -120.9528 (Census Gazetteer coordinates).
• Nearest larger cities: Ellensburg (23 mi); Leavenworth (31 mi); Cashmere (32 mi); Wenatchee (34 mi); East Wenatchee (35 mi). Lenders licensed in the state serve Cle Elum whether or not they keep a local branch.
• Smaller places nearby: South Cle Elum (1 mi); Roslyn (10 mi); Kittitas (29 mi).
• Within a 50-mile radius: 8 smaller Census places.
• Within 100 miles: 100 places are larger than Cle Elum.

The anatomy of a Cle Elum personal loan

A Cle Elum personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 2,211 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Cle Elum. A longer term lowers the monthly payment on a Cle Elum loan but raises total interest, so the smallest payment is not the cheapest loan.

Washington rules behind a Cle Elum personal loan

When Washington does not publish a figure, the row links to the source instead of inventing a number; Cle Elum is bound by the same rules.

Borrowing reach in Cle Elum

At roughly 492 people per square mile, Cle Elum is lightly settled; 11 larger places lie within 50 miles. A Washington licence lets a lender serve Cle Elum without a local office, so branch density does not change what its 2,211 residents are offered. For a larger market, the closest option is Ellensburg, WA about 23 miles away.

What to do before borrowing in Cle Elum

These steps shape the offer you get in Cle Elum, a place of about 2,211 people:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Check the Washington regulator's records to confirm the lender is licensed here.
5. Check that the monthly payment fits your budget next to your existing obligations.
6. Weigh a shorter term's higher payment against the interest it saves.
7. Borrow only what the purpose requires, not the maximum you are offered.

What differs between Cle Elum and the rest of Washington is not the process but the borrower's own file, among the 2,211 people here.

Cle Elum: area, density and distance

The Census Gazetteer records about 4.5 square miles of land within Cle Elum, with no significant water area listed. That land carries about 492 people per square mile. Seattle, the largest place in Washington, is about 72 miles from Cle Elum. A 50-mile radius around Cle Elum takes in 11 places that are larger. Within the same 50 miles lie 8 smaller Census places.