Personal loans in Davenport, WA

If you are weighing a personal loan in Davenport, start from the payment you can carry; its 1,775 residents face the same statewide rules. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Davenport's 1,775 residents. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Davenport loan. The nearest larger metro is Medical Lake, WA about 22 miles away.

Borrowing in Davenport: the local picture

Two layers matter for a Davenport borrower: the local population picture and Washington's consumer-lending statutes.

• Population: 1,775 people, a figure that places Davenport 173rd among the 281 Census places in Washington (US Census Bureau, Vintage 2023).
• Population trend: A rise of about 4.1% from 2020 to 2023.
• Absolute change: 70 residents added between 2020 and 2023.
• Size percentile: Davenport sits ahead of around 38% of Washington places, at 1,775 people.
• Population density: 1,065 people per square mile on 1.7 square miles of land.
• By land area: Davenport ranks 160th among Washington's 281 places, at 1.7 sq mi.
• State population share: Davenport accounts for about 0.0% of everyone in Washington.
• National rank: Davenport sits 8,064th by population among the 19,457 places in this dataset.
• Growth in Washington: Davenport stands 78th by percentage change from 2020 to 2023, among 281 places.
• State comparison: Washington's places average +2.8% for 2020-to-2023, against Davenport's 4.1%.
• Density in Washington: Davenport ranks 191st by people per square mile.
• Against the state median: Davenport runs about 1,065 residents per square mile, where the Washington median is 1,518.
• Location: it lies at 47.6550, -118.1519 in the Census Gazetteer.
• Nearest larger cities: Medical Lake (22 mi); Airway Heights (27 mi); Cheney (29 mi); Spokane (33 mi); Deer Park (39 mi). Living near a larger metro rarely changes what is available in Davenport.
• Smaller places nearby: Reardan (13 mi); Harrington (13 mi); Creston (19 mi).
• Within a 50-mile radius: 24 smaller Census places.
• At 100 miles: 39 larger Census places fall inside that radius.

What to do before borrowing in Davenport

Before you hand your details to a lender in Davenport, where the population is near 1,775:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Test your amount and term in the personal loan calculator first.
3. Shop at least three lenders and judge them on APR and total cost.
4. Look the lender up in the Washington regulator's licence records before you sign.
5. Read the disclosure for an origination fee and any prepayment penalty before signing.
6. Test the payment against your current bills before you commit.
7. Weigh a shorter term's higher payment against the interest it saves.

What differs between Davenport and the rest of Washington is not the process but the borrower's own file, among the 1,775 people here.

The geography behind Davenport

Davenport covers about 1.7 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 1,065 residents per square mile. For the state's biggest city, Seattle, the distance is roughly 196 miles. Counting outward 50 miles, 9 larger communities surround Davenport. Within the same 50 miles lie 24 smaller Census places.

Davenport in state context

Among Washington's 281 places, Davenport sits at 173rd for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Davenport ranks 78th of 281 in Washington (about the 72th percentile). Its roughly 1,065 residents per square mile place it 191st among Washington's places. By land area, its 1.7 square miles rank 160th of 281 places in Washington.

What shapes a Davenport personal loan

Davenport is a small community of about 1,775 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Davenport lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Davenport loan but raises total interest, so the smallest payment is not the cheapest loan.

The state rulebook for Davenport

For the roughly 1,775 residents of Davenport, the rules below are Washington's own; each row carries its publisher and retrieval date.