Personal loans in Long Beach, WA

By population, Long Beach sits at 175th in Washington, with an estimated 1,756 residents. A single loan can carry different costs on either side of a state line, and Long Beach sits on the Washington side of that line. A 2020-to-2023 comparison shows Long Beach up by about 3.6%. A larger market lies at Warrenton, OR about 14 miles away.

Long Beach: population, trend and location

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

• Population: 1,756 residents; Long Beach is the 175th-largest of 281 places in Washington (US Census Bureau, Vintage 2023).
• Population trend: Up about 3.6% from the 2020 Census base to the 2023 estimate.
• Net change: roughly 61 more people than the 2020 Census counted.
• Size percentile: with 1,756 residents, Long Beach is larger than about 38% of Washington's Census places.
• Population density: about 1,273 people per square mile across 1.4 square miles of land (Census Gazetteer area, Vintage 2023 population).
• By land area: Long Beach ranks 176th among Washington's 281 places, at 1.4 sq mi.
• Water: Long Beach holds about 0.51 square miles, the 56th-largest water area in Washington.
• Share of state population: Long Beach's 1,756 residents are about 0.0% of Washington.
• National rank: Long Beach sits 8,107th by population among the 19,457 places in this dataset.
• Growth rank: Long Beach's 2020-to-2023 change ranks 90th of 281 places in Washington.
• Against the state trend: Long Beach's 3.6% change compares with a Washington average of +2.8% across its 281 places.
• Density rank: Long Beach places 165th among Washington's places by people per square mile.
• Against the state median: Long Beach runs about 1,273 residents per square mile, where the Washington median is 1,518.
• Location: 46.3619, -124.0578 (US Census Bureau Gazetteer).
• Nearest larger cities: Warrenton (14 mi); Astoria (17 mi); Gearhart (24 mi); South Bend (25 mi); Seaside (27 mi). Larger metros often have more branches, but online lenders reach Long Beach on the same terms.
• Nearest smaller towns: Ilwaco (4 mi); Cannon Beach (33 mi); Cathlamet (34 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 9 of them.
• Within 100 miles: 82 places are larger than Long Beach.

What to do before borrowing in Long Beach

These steps shape the offer you get in Long Beach, a place of about 1,756 people:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Test your amount and term in the personal loan calculator first.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Check the Washington regulator's records to confirm the lender is licensed here.
5. Check that the monthly payment fits your budget next to your existing obligations.
6. Weigh a shorter term's higher payment against the interest it saves.
7. Borrow only what the purpose requires, not the maximum you are offered.

In Long Beach as elsewhere in Washington, the written terms — not the advertisement — are what count for its 1,756 residents.

The geography behind Long Beach

Long Beach covers about 1.4 square miles of land, with 0.51 square miles of water inside its boundaries (Census Gazetteer). That land carries about 1,273 people per square mile. Seattle, the largest place in Washington, is about 118 miles from Long Beach. Counting outward 50 miles, 10 larger communities surround Long Beach. By land area it ranks 176th of 281 Washington places.

Borrowing reach in Long Beach

Long Beach is moderately settled, with about 1,273 people per square mile and 10 larger places within 50 miles. A Washington licence lets a lender serve Long Beach without a local office, so branch density does not change what its 1,756 residents are offered. The nearest bigger place is Warrenton, OR about 14 miles away.

What shapes a Long Beach personal loan

A Long Beach personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,756 residents. A lender serving Long Beach's 1,756 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Long Beach loan but raises total interest, so the smallest payment is not the cheapest loan.

Washington rules behind a Long Beach personal loan

Read the table as a lender's compliance picture for Long Beach: the rule, the sourced figure, the publisher and the date.