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.
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.
- Population: a Census-estimated 295, 256th among Washington's 281 places (Vintage 2023).
- Population trend: A decline of about 2.0% across the 2020-to-2023 comparison.
- Net change: roughly 6 fewer people than the 2020 Census counted.
- Size percentile: about 9% of Washington's Census places are smaller than Hamilton.
- Population density: about 246 people per square mile (Census land area 1.2 sq mi).
- By land area: Hamilton ranks 184th among Washington's 281 places, at 1.2 sq mi.
- Share of Washington: Hamilton holds about 0.0% of the state's population, some 295 people.
- National rank: Hamilton is the 15,176th most populous of the 19,457 Census places covered here.
- Growth rank: Hamilton's 2020-to-2023 change ranks 236th of 281 places in Washington.
- Versus Washington: the state average change is +2.8%, while Hamilton moved 2.0%.
- Density rank: Hamilton places 275th among Washington's places by people per square mile.
- Density in context: Hamilton's 246 people per square mile sit against a Washington median of 1,518.
- Location: latitude 48.5225, longitude -121.9953 (Census Gazetteer).
- Nearest larger cities: Lyman (3 mi); Sedro-Woolley (11 mi); Concrete (11 mi); Burlington (16 mi); Mount Vernon (16 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller communities close by: Index (53 mi); Skykomish (63 mi); Conconully (103 mi), each with its own Census population profile.
- Smaller places within 50 miles: 0 of them.
- Larger places within 100 miles: 103.
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.
| 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 |
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.
Common questions
What are my options in Hamilton if my credit is poor?
What loan size can I expect in Hamilton?
Do I have to pledge anything to borrow in Hamilton?
Does comparing loans in Hamilton cost me credit score points?
Nearby places
- Lyman, WA — population 419
- Sedro-Woolley, WA — population 12,940
- Concrete, WA — population 787
- Mount Vernon, WA — population 35,259
- Burlington, WA — population 10,358
- Arlington, WA — population 21,206
- Granite Falls, WA — population 4,829
- Stanwood, WA — population 9,016