Personal loans in Pomeroy, WA
A lender serving Pomeroy holds a Washington licence and answers to a Washington regulator; no city office is involved for its 1,428 residents. With 1,428 residents, Pomeroy outranks about 33% of the communities in Washington.
A 2020-to-2023 comparison shows Pomeroy up by about 2.7%. Decide the purpose of the loan and your repayment plan before sharing any details with a Pomeroy lender. The nearest larger city is Dayton, WA about 21 miles away. Rate ceilings, licensing requirements and product limits for Pomeroy are all set at the Washington level.
Pomeroy by the numbers
What follows is Pomeroy's place in the Census record, alongside the Washington rules that govern a personal loan made here.
- Population: 1,428 people, a figure that places Pomeroy 188th among the 281 Census places in Washington (US Census Bureau, Vintage 2023).
- Population trend: Up about 2.7% from the 2020 Census base to the 2023 estimate.
- People gained or lost: about 38 more since the 2020 base.
- Size percentile: about 33% of Washington's Census places are smaller than Pomeroy.
- Density: the Census land area of 1.8 sq mi holds about 804 people per square mile.
- Land area rank: Pomeroy's 1.8 square miles rank 156th of 281 places in Washington.
- Within Washington: about 0.0% of the state's population lives in Pomeroy.
- Nationally: Pomeroy is the 8,870th-largest of 19,457 Census places in the dataset.
- Growth in Washington: Pomeroy stands 108th by percentage change from 2020 to 2023, among 281 places.
- Versus Washington: the state average change is +2.8%, while Pomeroy moved 2.7%.
- Density rank: Pomeroy places 223rd among Washington's places by people per square mile.
- Against the state median: Pomeroy runs about 804 residents per square mile, where the Washington median is 1,518.
- Location: 46.4738, -117.5965 (Census Gazetteer coordinates).
- Nearest larger cities: Dayton (21 mi); Clarkston (26 mi); Pullman (27 mi); Lewiston (29 mi); Moscow (33 mi). Lenders licensed in the state serve Pomeroy whether or not they keep a local branch.
- Smaller towns nearby: Colton (23 mi); Uniontown (25 mi); Starbuck (26 mi).
- Smaller places within 50 miles: 25 of them.
- At 100 miles: 45 larger Census places fall inside that radius.
Where Pomeroy sits
Inside Pomeroy's boundaries lie about 1.8 square miles of land, with no significant water area recorded. That land carries about 804 people per square mile. Seattle, the largest place in Washington, is about 237 miles from Pomeroy. A 50-mile radius around Pomeroy takes in 8 places that are larger. The 100-mile radius contains 45 larger places.
A pre-application checklist for Pomeroy
Before you apply in Pomeroy, a community of about 1,428, work through these steps:
- Pull your credit reports first and correct any error before a lender sees the file.
- Use the loan calculator to test the payment on your intended amount and term.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Look the lender up in the Washington regulator's licence records before you sign.
- Borrow only what the purpose requires, not the maximum you are offered.
- Write down the purpose of the loan and your repayment plan before you apply.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
What differs between Pomeroy and the rest of Washington is not the process but the borrower's own file, among the 1,428 people here.
Pomeroy against the rest of Washington
Among Washington's 281 places, Pomeroy sits at 188th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Pomeroy stands 108th among Washington's 281 places — roughly the 62th percentile. Its roughly 804 residents per square mile place it 223rd among Washington's places. By land area, its 1.8 square miles rank 156th of 281 places in Washington.
The state rulebook for Pomeroy
For the roughly 1,428 residents of Pomeroy, the rules below are Washington's own; each row carries its publisher and retrieval 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 |
| 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 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 |
Inside a Pomeroy personal loan
Pomeroy is a small community of about 1,428 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Pomeroy. Because the payment is fixed, the total cost of a Pomeroy loan is knowable in advance — unlike a revolving card balance.
Common questions
What are my options in Pomeroy if my credit is poor?
What loan size can I expect in Pomeroy?
Do I have to pledge anything to borrow in Pomeroy?
Does comparing loans in Pomeroy cost me credit score points?
Nearby places
- Dayton, WA — population 2,510
- LaCrosse, WA — population 296
- Endicott, WA — population 306
- Albion, WA — population 556
- Colton, WA — population 405
- Pullman, WA — population 32,863
- Uniontown, WA — population 388
- Starbuck, WA — population 137