Personal loans in Ephrata, WA

A 2020-to-2023 comparison shows Ephrata up by about 2.3%. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Ephrata's 8,665 residents. Judge Ephrata offers on total cost, not on how quickly the money arrives. The nearest larger metro is Moses Lake, WA about 18 miles away.

The Ephrata data picture

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

• Population: an estimated 8,665 residents, 99th of 281 places in Washington (Census Vintage 2023 subcounty estimate).
• Population trend: A gain of roughly 2.3% between 2020 and 2023.
• People gained or lost: about 195 more since the 2020 base.
• Size percentile: bigger than about 65% of the places in Washington, with 8,665 residents in Ephrata.
• Population density: about 827 people per square mile across 10.5 square miles of land (Census Gazetteer area, Vintage 2023 population).
• By land area: Ephrata ranks 43rd among Washington's 281 places, at 10.5 sq mi.
• Within Washington: about 0.2% of the state's population lives in Ephrata.
• National rank: Ephrata is 3,473rd of 19,457 places nationwide.
• Growth rank: Ephrata ranks 116th among Washington's 281 places for the 2020-to-2023 change.
• Against the state trend: Ephrata's 2.3% change compares with a Washington average of +2.8% across its 281 places.
• Density rank: Ephrata places 221st among Washington's places by people per square mile.
• Against the state median: Ephrata runs about 827 residents per square mile, where the Washington median is 1,518.
• Location: the Census Gazetteer records it at 47.3123, -119.5343.
• Nearest larger cities: Moses Lake (18 mi); East Wenatchee (36 mi); Othello (38 mi); Wenatchee (38 mi); Ellensburg (52 mi). Living near a larger metro rarely changes what is available in Ephrata.
• Smaller communities within reach: Soap Lake (6 mi); Quincy (16 mi); Wilson Creek (21 mi).
• Smaller neighbours: 25 places smaller than Ephrata sit within 50 miles.
• Within 100 miles: 14 places are larger than Ephrata.

What is available to Ephrata borrowers

Ephrata is moderately settled, with about 827 people per square mile and 4 larger places within 50 miles. Lenders licensed in Washington reach Ephrata's 8,665 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Moses Lake, WA about 18 miles away.

The Ephrata borrowing checklist

For Ephrata's roughly 8,665 residents, these are the steps that most influence the offer:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Confirm the lender holds a Washington licence by checking the regulator named above.
5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
6. Look for an origination fee or prepayment penalty in the written disclosure.
7. Make sure the new payment leaves room in a budget you already keep.

The process is identical across Washington; what changes is your credit file, not the fact that Ephrata holds 8,665 people.

How personal loans work in Ephrata

In Ephrata, a small town of about 8,665, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Ephrata can be quoted different APRs on the same amount and term. Shortening the term on a Ephrata loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Ephrata in state context

Against Washington's other places, Ephrata accounts for about 0.2% of the state's population and ranks 99th of 281 by size. For population change between 2020 and 2023, Ephrata ranks 116th of 281 in Washington (about the 59th percentile). At about 827 people per square mile, Ephrata is the 221st most densely settled place in Washington. Within 50 miles sit 25 smaller Census places, alongside the 4 that are larger.

How Washington law applies in Ephrata

The rows below set out what a licensed lender must follow in Washington, and so for Ephrata's roughly 8,665 residents.