Personal loans in Othello, WA

Othello gained roughly 3.9% in population across the 2020-to-2023 comparison. For a borrower among the roughly 8,878 residents of Othello, a personal loan is a tool whose cost turns on the terms, not the address.

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.

The Census counts 8,878 people in Othello, the 96th-largest figure among Washington's 281 places. The nearest larger metro is Moses Lake, WA about 22 miles away. Rate ceilings, licensing requirements and product limits for Othello are all set at the Washington level. Decide the purpose of the loan and your repayment plan before sharing any details with a Othello lender.

Othello by the numbers

The figures below are Othello's own — Census population, land area and coordinates — followed by the Washington rules.

The state rulebook for Othello

Washington has no separate rate rule for Othello; the sourced rows below are what reach every lender that serves its 8,878 people.

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
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
Payday lending statusLicensed; 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

The geography behind Othello

Othello covers about 4.8 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 1,852 people per square mile. Seattle, the largest place in Washington, is about 159 miles from Othello. Counting outward 50 miles, 5 larger communities surround Othello. By land area it ranks 97th of 281 Washington places.

What shapes a Othello personal loan

A Othello personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 8,878 residents. Two numbers drive a Othello loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Othello loan is knowable in advance — unlike a revolving card balance.

Othello against the rest of Washington

Set beside Washington's 281 places, Othello ranks 96th by population and holds about 0.2% of the state total. On the 2020-to-2023 trend, Othello stands 83rd among Washington's 281 places — roughly the 70th percentile. At about 1,852 people per square mile, Othello is the 114th most densely settled place in Washington. The population moved by about 332 people between 2020 and 2023, a 3.9% shift.

Borrowing reach in Othello

Othello is a moderately settled community of about 8,878 people, with 5 larger places inside a 50-mile radius. Whether Othello has a local branch or not, a Washington-licensed lender can serve its 8,878 people online on the same terms. The nearest larger city, Moses Lake, WA about 22 miles away.

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

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