Personal loans in Friday Harbor, WA

Census figures put the 2020-to-2023 increase in Friday Harbor at about 4.7%. For a borrower among the roughly 2,736 residents of Friday Harbor, a personal loan is a tool whose cost turns on the terms, not the address.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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About 2,736 people live in Friday Harbor, placing it 148th of 281 Census places in Washington. For a bigger market, look to Anacortes, WA about 18 miles away. Every figure below is Washington's own, applied to Friday Harbor's 2,736 residents, with the publisher and retrieval date attached. Decide the purpose of the loan and your repayment plan before sharing any details with a Friday Harbor lender.

Local context for Friday Harbor

The figures below are Friday Harbor's own — Census population, land area and coordinates — followed by the Washington rules.

Population: the Census counts 2,736 residents in Friday Harbor (Vintage 2023 subcounty estimate), the 148th-largest figure among Washington's 281 places.
Population trend: Roughly 4.7% more residents than the 2020 Census counted.
Absolute change: 124 residents added between 2020 and 2023.
Size percentile: roughly 47% of Washington's places have fewer residents than Friday Harbor's 2,736.
Density: roughly 1,251 residents per square mile, spread over 2.2 sq mi of land.
By land area: Friday Harbor ranks 143rd among Washington's 281 places, at 2.2 sq mi.
Water area rank: Friday Harbor ranks 122nd among Washington's 281 places, with 0.07 sq mi.
Share of state population: Friday Harbor's 2,736 residents are about 0.1% of Washington.
National rank: Friday Harbor sits 6,570th by population among the 19,457 places in this dataset.
Growth rank: Friday Harbor ranks 62nd among Washington's 281 places for the 2020-to-2023 change.
State comparison: Washington's places average +2.8% for 2020-to-2023, against Friday Harbor's 4.7%.
Density in Washington: Friday Harbor ranks 167th by people per square mile.
Against the state median: Friday Harbor runs about 1,251 residents per square mile, where the Washington median is 1,518.
Location: it lies at 48.5339, -123.0190 in the Census Gazetteer.
Nearest larger cities: Anacortes (18 mi); Oak Harbor (24 mi); Bellingham (29 mi); Ferndale (29 mi); Port Townsend (30 mi). A branch is convenient; it is not what sets your APR.
Smaller communities close by: La Conner (26 mi); Coupeville (27 mi); Nooksack (42 mi), each with its own Census population profile.
Smaller places within 50 miles: 7 of them.
Within 100 miles: 77 places are larger than Friday Harbor.

The anatomy of a Friday Harbor personal loan

A Friday Harbor personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 2,736 residents. Because pricing is borrower-level, two people in Friday Harbor can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Friday Harbor loan but raises total interest, so the smallest payment is not the cheapest loan.

Friday Harbor on the map

Friday Harbor covers about 2.2 square miles of land, with 0.07 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 1,251 residents per square mile. Seattle, the largest place in Washington, is about 70 miles from Friday Harbor. Within 50 miles of Friday Harbor there are 15 larger Census places. The 100-mile radius contains 77 larger places.

How Friday Harbor compares across Washington

Friday Harbor is the 148th-largest of 281 Census places in Washington and contains about 0.1% of the state's people. On the 2020-to-2023 trend, Friday Harbor stands 62nd among Washington's 281 places — roughly the 78th percentile. At about 1,251 people per square mile, Friday Harbor is the 167th most densely settled place in Washington. By land area, its 2.2 square miles rank 143rd of 281 places in Washington.

The Washington lending rules that reach Friday Harbor

This table holds the Washington rate and licensing rules for consumer loans made to Friday Harbor's 2,736 residents.

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
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
Small-loan / installment lender licensing	Consumer Loan Company license required (Consumer Loan Act, RCW 31.04.035) Source says: No person may engage in any activity subject to this chapter without first obtaining and maintaining a license in accordance with this chapter.	Washington State Legislature (RCW) as of 2026-09-16

Before you apply in Friday Harbor

A sensible order of operations for a loan in Friday Harbor, home to about 2,736 people:

Get your credit reports, dispute what is wrong, and only then start shopping.
Use the loan calculator to test the payment on your intended amount and term.
Line up several pre-qualified offers and let the APR decide.
Verify the lender's Washington licence with the regulator listed on this page.
Check the disclosure for fees that raise the true cost above the quoted rate.
Test the payment against your current bills before you commit.
Choose a term you can live with; stretching it lowers the payment but raises total interest.

What differs between Friday Harbor and the rest of Washington is not the process but the borrower's own file, among the 2,736 people here.

Compare personal loan offers Run the numbers first

Common questions

What are my options in Friday Harbor if my credit is poor?

Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Friday Harbor is the same as anywhere in Washington.

What loan size can I expect in Friday Harbor?

Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.

Do I have to pledge anything to borrow in Friday Harbor?

For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.

Does comparing loans in Friday Harbor cost me credit score points?

Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

Anacortes, WA — population 18,012
Oak Harbor, WA — population 24,016
Coupeville, WA — population 1,928
Sequim, WA — population 8,203
Port Townsend, WA — population 10,502
Blaine, WA — population 6,232
Ferndale, WA — population 15,992
La Conner, WA — population 982