Personal loans in Endicott, WA

Endicott shed about 1.6% of its population between the 2020 base and the 2023 estimate. Begin with the payment, then weigh APR and total interest across the lenders that reach Endicott's 306 residents. The nearest larger metro is St. John, WA about 12 miles away. A lender that serves Endicott operates under Washington lending statutes and a Washington supervisor.

Borrowing in Endicott: the local picture

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

• Population: about 306 people live here, which puts Endicott 253rd of 281 Census places in Washington (Vintage 2023).
• Population trend: A loss of roughly 1.6% between 2020 and 2023.
• Change in people: the 2020-to-2023 comparison is a loss of about 5 residents.
• Size percentile: Endicott's 306 people outrank roughly 10% of the places in Washington.
• Population density: about 1,030 people per square mile across 0.3 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area rank: Endicott's 0.3 square miles rank 270th of 281 places in Washington.
• Share of Washington: Endicott holds about 0.0% of the state's population, some 306 people.
• National standing: Endicott ranks 15,053rd of 19,457 US places.
• Growth rank: Endicott's 2020-to-2023 change ranks 227th of 281 places in Washington.
• State comparison: Washington's places average +2.8% for 2020-to-2023, against Endicott's 1.6%.
• Density rank: Endicott is the 195th most densely settled place in Washington.
• Against the state median: Endicott runs about 1,030 residents per square mile, where the Washington median is 1,518.
• Location: coordinates 46.9282, -117.6867 (US Census Bureau Gazetteer).
• Nearest larger cities: St. John (12 mi); Colfax (18 mi); Albion (23 mi); Oakesdale (25 mi); Rosalia (26 mi). Lenders licensed in the state serve Endicott whether or not they keep a local branch.
• Smaller towns nearby: LaCrosse (14 mi); Lamont (21 mi); Malden (23 mi).
• Within a 50-mile radius: 13 smaller Census places.
• Within 100 miles: 99 places are larger than Endicott.

What a Endicott borrower is actually offered

With roughly 306 residents, Endicott is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Endicott. The term you choose in Endicott decides the split between a comfortable payment and the total interest you pay.

Which Washington laws govern a loan in Endicott

This table holds the Washington rate and licensing rules for consumer loans made to Endicott's 306 residents.

What to do before borrowing in Endicott

These steps shape the offer you get in Endicott, a place of about 306 people:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Verify the lender's Washington licence with the regulator listed on this page.
5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
6. Look for an origination fee or prepayment penalty in the written disclosure.
7. Check that the monthly payment fits your budget next to your existing obligations.

What differs between Endicott and the rest of Washington is not the process but the borrower's own file, among the 306 people here.

Land, water and location for Endicott

Inside Endicott's boundaries lie about 0.3 square miles of land, with no significant water area recorded. With 306 residents, the land area yields roughly 1,030 people per square mile. Seattle, the largest place in Washington, is about 224 miles from Endicott. Within 50 miles of Endicott there are 29 larger Census places. Within the same 50 miles lie 13 smaller Census places.

Endicott in state context

Among Washington's 281 places, Endicott sits at 253rd for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Endicott ranks 227th of 281 in Washington (about the 19th percentile). Its roughly 1,030 residents per square mile place it 195th among Washington's places. Between 2020 and 2023 the count changed by roughly 5 residents.