Personal loans in Gold Bar, WA
Gold Bar is a small community in Washington, with an estimated 2,411 residents, and every licensed lender here follows the same state rulebook. About 2,411 people live in Gold Bar, placing it 157th of 281 Census places in Washington.
Population in Gold Bar climbed about 0.3% over the three years from 2020 to 2023. Work out your debt-to-income ratio first; lenders weigh it heavily, and Gold Bar's 2,411 residents are no exception. The nearest larger city is Sultan, WA about 5 miles away. Rate ceilings, licensing requirements and product limits for Gold Bar are all set at the Washington level.
Where Gold Bar stands
Only a few things actually differ by place — population, area, location, and the Washington rules a lender must follow — and they are below.
- Population: the Census counts 2,411 residents in Gold Bar (Vintage 2023 subcounty estimate), the 157th-largest figure among Washington's 281 places.
- Population trend: A gain of roughly 0.3% between 2020 and 2023.
- Net change: roughly 7 more people than the 2020 Census counted.
- Size percentile: about 44% of Washington communities are smaller than Gold Bar (2,411 residents).
- Population density: about 2,277 people per square mile (Census land area 1.1 sq mi).
- Land area: Gold Bar covers 1.1 square miles, the 199th-largest area among Washington's 281 places.
- State share: roughly 0.0% of Washington's residents live in Gold Bar (2,411 people).
- National rank: Gold Bar is 6,974th of 19,457 places nationwide.
- Growth rank: Gold Bar ranks 170th among Washington's 281 places for the 2020-to-2023 change.
- State comparison: Washington's places average +2.8% for 2020-to-2023, against Gold Bar's 0.3%.
- Density rank: Gold Bar places 87th among Washington's places by people per square mile.
- Density in context: Gold Bar's 2,277 people per square mile sit against a Washington median of 1,518.
- Location: the Census Gazetteer records it at 47.8563, -121.6920.
- Nearest larger cities: Sultan (5 mi); Monroe (14 mi); Duvall (15 mi); Snohomish (19 mi); Granite Falls (21 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller towns: Index (7 mi); Carnation (18 mi); Skykomish (19 mi).
- Within a 50-mile radius: 13 smaller Census places.
- Within 100 miles: 98 places are larger than Gold Bar.
Before you apply in Gold Bar
Complete these steps first when you borrow in Gold Bar (2,411 residents):
- Start with the credit file: order the reports, fix the errors, then apply.
- Model the payment on the calculator before a lender models it for you.
- Get several pre-qualifications and compare APR side by side before choosing.
- Look the lender up in the Washington regulator's licence records before you sign.
- Pick the shortest term whose payment you can comfortably afford.
- Borrow only what the purpose requires, not the maximum you are offered.
- Decide the purpose and how you will repay it before approaching any lender.
None of these steps is Gold Bar-specific: the same Washington licensing and disclosure rules reach all 2,411 residents.
Where Gold Bar sits in Washington
Within Washington, Gold Bar holds roughly 0.0% of all residents, the 157th-largest share among 281 places. For population change between 2020 and 2023, Gold Bar ranks 170th of 281 in Washington (about the 40th percentile). By density, at about 2,277 people per square mile, it ranks 87th in Washington. By land area, its 1.1 square miles rank 199th of 281 places in Washington.
The Washington lending rules that reach Gold Bar
When Washington does not publish a figure, the row links to the source instead of inventing a number; Gold Bar is bound by the same rules.
| 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 |
| 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 |
| Maximum legal interest rate (usury cap) | 12% per annum, or four points above the Federal Reserve bill rate, whichever is higher (RCW 19.52.020) Source says: any rate of interest shall be legal so long as the rate of interest does not exceed the higher of: (a) Twelve percent per annum | Washington State Legislature (RCW) as of 2026-09-16 |
Getting a loan in Gold Bar
Gold Bar is a fairly dense community of about 2,411 people, with 52 larger places inside a 50-mile radius. Distance to a branch rarely matters for Gold Bar's 2,411 residents: the application is online and the price follows your credit file. The nearest bigger place is Sultan, WA about 5 miles away.
Where Gold Bar sits
The Census Gazetteer records about 1.1 square miles of land within Gold Bar, with no significant water area listed. That land carries about 2,277 people per square mile. Seattle, the largest place in Washington, is about 35 miles from Gold Bar. Within 50 miles of Gold Bar there are 52 larger Census places. The 100-mile radius contains 98 larger places.
Common questions
What are my options in Gold Bar if my credit is poor?
What loan size can I expect in Gold Bar?
Do I have to pledge anything to borrow in Gold Bar?
Does comparing loans in Gold Bar cost me credit score points?
Nearby places
- Sultan, WA — population 6,766
- Index, WA — population 157
- Monroe, WA — population 19,447
- Carnation, WA — population 2,176
- Duvall, WA — population 8,517
- Snoqualmie, WA — population 13,465
- Granite Falls, WA — population 4,829
- Skykomish, WA — population 156