Personal loans in Naches, WA
Naches, Washington — home to about 1,080 people — is a small community, so the terms you are offered follow Washington law rather than any local rule.
For practical purposes, Naches's population was stable from the 2020 base to the 2023 estimate. Naches is home to roughly 1,080 people and stands 201st by size out of 281 Census places in Washington. For a community of about 1,080, the practical step is to compare APR across at least three lenders before committing. To lend to Naches's 1,080 residents, a company must hold a Washington licence, and each sourced row below names the regulator behind it. A larger market lies at Tieton, WA about 3 miles away.
Naches: the sourced local profile
Naches is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: 1,080 residents; Naches is the 201st-largest of 281 places in Washington (US Census Bureau, Vintage 2023).
- Population trend: Roughly level with the 2020 Census base.
- Size percentile: Naches's 1,080 people outrank roughly 28% of the places in Washington.
- Population density: about 1,240 people per square mile (Census land area 0.9 sq mi).
- Land area: Naches covers 0.9 square miles, the 215th-largest area among Washington's 281 places.
- State share: roughly 0.0% of Washington's residents live in Naches (1,080 people).
- National rank: Naches is the 9,920th most populous of the 19,457 Census places covered here.
- Growth rank: Naches ranks 179th among Washington's 281 places for the 2020-to-2023 change.
- State comparison: Washington's places average +2.8% for 2020-to-2023, against Naches's 0.0%.
- Density rank: Naches places 170th among Washington's places by people per square mile.
- Density in context: Naches's 1,240 people per square mile sit against a Washington median of 1,518.
- Location: coordinates 46.7260, -120.6912 (US Census Bureau Gazetteer).
- Nearest larger cities: Tieton (3 mi); Selah (9 mi); Yakima (12 mi); Union Gap (15 mi); Moxee (18 mi). Living near a larger metro rarely changes what is available in Naches.
- Smaller places close by: Harrah (23 mi); South Cle Elum (34 mi); Roslyn (43 mi).
- Smaller neighbours: 4 places smaller than Naches sit within 50 miles.
- At 100 miles: 103 larger Census places fall inside that radius.
How Naches compares across Washington
Within Washington, Naches holds roughly 0.0% of all residents, the 201st-largest share among 281 places. On the 2020-to-2023 trend, Naches stands 179th among Washington's 281 places — roughly the 36th percentile. Its roughly 1,240 residents per square mile place it 170th among Washington's places. The population moved by about 0 people between 2020 and 2023, a 0.0% shift.
Naches: area, density and distance
Naches's land area is roughly 0.9 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 1,240 residents per square mile. For the state's biggest city, Seattle, the distance is roughly 99 miles. A 50-mile radius around Naches takes in 16 places that are larger. The 100-mile radius contains 103 larger places.
Washington rules behind a Naches personal loan
Read the table as a lender's compliance picture for Naches: the rule, the sourced figure, the publisher and the 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 |
| Payday lending status | Licensed; small loans capped at $700 or 30% of monthly income, max 45 days, fees 15% on first $500 and 10% above (RCW 31.45) Source says: Payday lenders must be licensed by DFI — including online lenders that do business with Washington residents. | 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 |
Borrowing reach in Naches
Naches is a moderately settled community of about 1,080 people, with 16 larger places inside a 50-mile radius. A Washington licence lets a lender serve Naches without a local office, so branch density does not change what its 1,080 residents are offered. The nearest bigger place is Tieton, WA about 3 miles away.
How a Naches personal loan is priced
A Naches personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,080 residents. A lender serving Naches's 1,080 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Naches decides the split between a comfortable payment and the total interest you pay.
Common questions
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Nearby places
- Tieton, WA — population 1,638
- Selah, WA — population 8,571
- Yakima, WA — population 96,750
- Union Gap, WA — population 6,439
- Ellensburg, WA — population 18,694
- Moxee, WA — population 4,827
- Harrah, WA — population 570
- Kittitas, WA — population 1,439