Personal loans in Moxee, WA

With 4,827 residents, Moxee outranks about 55% of the communities in Washington. Moxee is a small community of about 4,827 residents, and a personal loan taken out here is governed by Washington statute.

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.

If debt is already a strain, a nonprofit credit counsellor can help Moxee residents before they take on more. A lender that serves Moxee operates under Washington lending statutes and a Washington supervisor. A 2020-to-2023 comparison shows Moxee up by about 11.6%. The nearest larger metro is Union Gap, WA about 5 miles away.

Local context for Moxee

Set out below is Moxee's local context next to the state-level rules that reach every lender here.

Borrowing reach in Moxee

At roughly 2,038 people per square mile, Moxee is fairly dense; 8 larger places lie within 50 miles. Lenders licensed in Washington reach Moxee's 4,827 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Union Gap, WA about 5 miles away.

The anatomy of a Moxee personal loan

In Moxee, a small community of about 4,827, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Moxee's rank of 126th in Washington: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Moxee loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Moxee against the rest of Washington

Set beside Washington's 281 places, Moxee ranks 126th by population and holds about 0.1% of the state total. On the 2020-to-2023 trend, Moxee stands 23rd among Washington's 281 places — roughly the 92th percentile. By density, at about 2,038 people per square mile, it ranks 99th in Washington. Within 50 miles sit 12 smaller Census places, alongside the 8 that are larger.

The Washington lending rules that reach Moxee

The rows below set out what a licensed lender must follow in Washington, and so for Moxee's roughly 4,827 residents.

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 Moxee sits

Moxee covers about 2.4 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 2,038 people per square mile. The state's population centre of gravity, Seattle, is roughly 117 miles away. Counting outward 50 miles, 8 larger communities surround Moxee. Within the same 50 miles lie 12 smaller Census places.

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 Moxee 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 Moxee is the same as anywhere in Washington.
What loan size can I expect in Moxee?
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 Moxee?
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 Moxee 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

Related