Personal loans in Metaline Falls, WA

Read the disclosure for an origination fee and any prepayment penalty before signing in Metaline Falls. About 284 people live in Metaline Falls, placing it 258th of 281 Census places in Washington. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Metaline Falls's 284 residents. From the 2020 Census base to the 2023 estimate, the population rose by about 4.4%. The nearest larger metro is Ione, WA about 9 miles away.

Borrowing in Metaline Falls: the local picture

Read the local figures below as context; read the sourced Washington table as the rulebook a lender here must follow.

• Population: 284 people, a figure that places Metaline Falls 258th among the 281 Census places in Washington (US Census Bureau, Vintage 2023).
• Population trend: Up about 4.4% from the 2020 Census base to the 2023 estimate.
• Absolute change: 12 residents added between 2020 and 2023.
• Size percentile: roughly 8% of Washington's places have fewer residents than Metaline Falls's 284.
• Population density: 1,427 people per square mile on 0.2 square miles of land.
• Land area: Metaline Falls covers 0.2 square miles, the 278th-largest area among Washington's 281 places.
• Water area: Metaline Falls has 0.06 square miles of water, ranking 127th of 281 places in Washington.
• Share of state population: Metaline Falls's 284 residents are about 0.0% of Washington.
• National rank: Metaline Falls sits 15,309th by population among the 19,457 places in this dataset.
• Growth rank: Metaline Falls's 2020-to-2023 change ranks 72nd of 281 places in Washington.
• State comparison: Washington's places average +2.8% for 2020-to-2023, against Metaline Falls's 4.4%.
• Density in Washington: Metaline Falls ranks 153rd by people per square mile.
• Against the state median: Metaline Falls runs about 1,427 residents per square mile, where the Washington median is 1,518.
• Location: mapped by the US Census Bureau at 48.8613, -117.3719.
• Nearest larger cities: Ione (9 mi); Northport (19 mi); Colville (32 mi); Kettle Falls (36 mi); Chewelah (43 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller towns: Metaline (1 mi); Marcus (34 mi); Cusick (37 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 4 of them.
• At 100 miles: 42 larger Census places fall inside that radius.

Steps to take before a Metaline Falls loan

These steps shape the offer you get in Metaline Falls, a place of about 284 people:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Make sure the lender appears in the Washington regulator's licence list.
5. Look for an origination fee or prepayment penalty in the written disclosure.
6. Make sure the new payment leaves room in a budget you already keep.
7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

In Metaline Falls as elsewhere in Washington, the written terms — not the advertisement — are what count for its 284 residents.

The Washington lending rules that reach Metaline Falls

These are Washington's sourced lending facts as they reach Metaline Falls's 284 residents; the state has no city-level rate rule.

Land, water and location for Metaline Falls

Metaline Falls's land area is about 0.2 square miles; a further 0.06 square miles is water. With 284 residents, the land area yields roughly 1,427 people per square mile. Seattle, the largest place in Washington, is about 245 miles from Metaline Falls. Counting outward 50 miles, 7 larger communities surround Metaline Falls. The 100-mile radius contains 42 larger places.

The anatomy of a Metaline Falls personal loan

A Metaline Falls personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 284 residents. Two numbers drive a Metaline Falls loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Metaline Falls decides the split between a comfortable payment and the total interest you pay.

How Metaline Falls compares across Washington

Within Washington, Metaline Falls holds roughly 0.0% of all residents, the 258th-largest share among 281 places. On the 2020-to-2023 trend, Metaline Falls stands 72nd among Washington's 281 places — roughly the 74th percentile. At about 1,427 people per square mile, Metaline Falls is the 153rd most densely settled place in Washington. By land area, its 0.2 square miles rank 278th of 281 places in Washington.