Personal loans in Hamilton, WA

Hamilton is one of 281 Census places in Washington; its 295 residents put it at 256th. Hamilton shed about 2.0% of its population between the 2020 base and the 2023 estimate.

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

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Hamilton is a small community of about 295 residents, and a personal loan taken out here is governed by Washington statute. To lend to Hamilton's 295 residents, a company must hold a Washington licence, and each sourced row below names the regulator behind it. Verify the lender's Washington licence against the regulator named below before borrowing in Hamilton. The nearest larger metro is Lyman, WA about 3 miles away.

Where Hamilton stands

Hamilton is a small community; the notes below cover its population profile and the statewide rules that apply.

Hamilton's place among Washington's 281 places

Within Washington, Hamilton holds roughly 0.0% of all residents, the 256th-largest share among 281 places. Its 2020-to-2023 change ranks 236th of 281 Washington places, putting it near the 16th percentile for growth. By density, at about 246 people per square mile, it ranks 275th in Washington. Between 2020 and 2023 the count changed by roughly 6 residents.

What shapes a Hamilton personal loan

With roughly 295 residents, Hamilton is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Hamilton's 295 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Hamilton loan is knowable in advance — unlike a revolving card balance.

What Washington law requires in Hamilton

For the roughly 295 residents of Hamilton, the rules below are Washington's own; each row carries its publisher and retrieval date.

RuleDetailSource
State lending regulatorWashington 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 licensingConsumer 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

Where Hamilton sits

The Census Gazetteer records about 1.2 square miles of land within Hamilton, with no significant water area listed. The resulting density is about 246 people per square mile. The state's population centre of gravity, Seattle, is roughly 65 miles away. Hamilton has 33 larger places within a 50-mile radius. By land area it ranks 184th of 281 Washington places.

What is available to Hamilton borrowers

Hamilton is lightly settled, with about 246 people per square mile and 33 larger places within 50 miles. Distance to a branch rarely matters for Hamilton's 295 residents: the application is online and the price follows your credit file. The nearest larger city, Lyman, WA about 3 miles away.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Hamilton 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 Hamilton is the same as anywhere in Washington.
What loan size can I expect in Hamilton?
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 Hamilton?
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 Hamilton 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

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