Personal loans in Kenmore, WA

Pull your credit reports and line up at least three offers before you apply from Kenmore. Population in Kenmore dropped about 2.2% over the three years from 2020 to 2023. Consumer lending that reaches Kenmore's 23,391 residents is governed by Washington statute; no city ordinance changes it. Borrowers who want a bigger city can look to Bothell, WA about 3 miles away.

What the Census records for Kenmore

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

• Population: the Census counts 23,391 residents in Kenmore (Vintage 2023 subcounty estimate), the 48th-largest figure among Washington's 281 places.
• Population trend: A drop of about 2.2% from 2020 to 2023.
• Absolute change: 523 residents lost between 2020 and 2023.
• Size percentile: roughly 83% of Washington places rank below Kenmore.
• Density: roughly 3,801 residents per square mile, spread over 6.2 sq mi of land.
• Land area rank: Kenmore's 6.2 square miles rank 81st of 281 places in Washington.
• Water area: Kenmore has 1.06 square miles of water, ranking 36th of 281 places in Washington.
• State population share: Kenmore accounts for about 0.5% of everyone in Washington.
• National standing: Kenmore ranks 1,665th of 19,457 US places.
• Growth in Washington: Kenmore stands 239th by percentage change from 2020 to 2023, among 281 places.
• State comparison: Washington's places average +2.8% for 2020-to-2023, against Kenmore's 2.2%.
• Density rank: Kenmore places 25th among Washington's places by people per square mile.
• Against the state median: Kenmore runs about 3,801 residents per square mile, where the Washington median is 1,518.
• Location: coordinates 47.7499, -122.2472 (US Census Bureau Gazetteer).
• Nearest larger cities: Bothell (3 mi); Kirkland (4 mi); Shoreline (5 mi); Lynnwood (6 mi); Edmonds (7 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller places nearby: Lake Forest Park (2 mi); Brier (3 mi); Mountlake Terrace (4 mi).
• Smaller places within 50 miles: 57 of them.
• Within 100 miles: 35 places are larger than Kenmore.

Where Kenmore sits

Kenmore covers about 6.2 square miles of land, with 1.06 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 3,801 people per square mile. Seattle, the largest place in Washington, is about 10 miles from Kenmore. Kenmore has 30 larger places within a 50-mile radius. The 100-mile radius contains 35 larger places.

What Washington law requires in Kenmore

Washington has no separate rate rule for Kenmore; the sourced rows below are what reach every lender that serves its 23,391 people.

Inside a Kenmore personal loan

With roughly 23,391 residents, Kenmore is a smaller city; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Kenmore lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Kenmore loan but raises total interest, so the smallest payment is not the cheapest loan.

The Kenmore borrowing checklist

For Kenmore's roughly 23,391 residents, these are the steps that most influence the offer:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Confirm the lender holds a Washington licence by checking the regulator named above.
5. Choose a term you can live with; stretching it lowers the payment but raises total interest.
6. Keep the amount to the expense; an approval is not a reason to take more.
7. Be clear on what the loan is for and how it gets repaid.

None of these steps is Kenmore-specific: the same Washington licensing and disclosure rules reach all 23,391 residents.

How Kenmore compares across Washington

Among Washington's 281 places, Kenmore sits at 48th for population, a share of roughly 0.5% of the state. For population change between 2020 and 2023, Kenmore ranks 239th of 281 in Washington (about the 15th percentile). Its roughly 3,801 residents per square mile place it 25th among Washington's places. The population moved by about 523 people between 2020 and 2023, a 2.2% shift.