Personal loans in Port Orchard, WA

With 17,950 residents, Port Orchard outranks about 78% of the communities in Washington. Verify the lender's Washington licence against the regulator named below before borrowing in Port Orchard. A single loan can carry different costs on either side of a state line, and Port Orchard sits on the Washington side of that line. The next larger city is Bremerton, WA about 4 miles away.

Borrowing in Port Orchard: the local picture

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

• Population: an estimated 17,950 residents, 63rd of 281 places in Washington (Census Vintage 2023 subcounty estimate).
• Population trend: Growth of about 15.2% across the 2020-to-2023 comparison.
• Net change: roughly 2,369 more people than the 2020 Census counted.
• Size percentile: Port Orchard sits ahead of around 78% of Washington places, at 17,950 people.
• Population density: about 1,861 people per square mile across 9.6 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Port Orchard covers 9.6 square miles, the 49th-largest area among Washington's 281 places.
• Water area rank: Port Orchard ranks 29th among Washington's 281 places, with 1.56 sq mi.
• Share of Washington: Port Orchard holds about 0.4% of the state's population, some 17,950 people.
• National standing: Port Orchard ranks 2,071st of 19,457 US places.
• Growth in Washington: Port Orchard stands 13th by percentage change from 2020 to 2023, among 281 places.
• Versus Washington: the state average change is +2.8%, while Port Orchard moved 15.2%.
• Density rank: Port Orchard places 112th among Washington's places by people per square mile.
• Density in context: Port Orchard's 1,861 people per square mile sit against a Washington median of 1,518.
• Location: 47.5384, -122.6324 (US Census Bureau Gazetteer).
• Nearest larger cities: Bremerton (4 mi); Bainbridge Island (9 mi); Burien (14 mi); Seattle (14 mi); SeaTac (17 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller places close by: Gig Harbor (14 mi); Poulsbo (14 mi); Normandy Park (15 mi).
• Smaller places within 50 miles: 49 of them.
• At 100 miles: 47 larger Census places fall inside that radius.

A practical checklist for Port Orchard borrowers

For Port Orchard's roughly 17,950 residents, these are the steps that most influence the offer:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Test your amount and term in the personal loan calculator first.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Check the Washington regulator's records to confirm the lender is licensed here.
5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
6. Be clear on what the loan is for and how it gets repaid.
7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

What differs between Port Orchard and the rest of Washington is not the process but the borrower's own file, among the 17,950 people here.

What shapes a Port Orchard personal loan

Port Orchard is a small town of about 17,950 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Port Orchard loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Port Orchard decides the split between a comfortable payment and the total interest you pay.

Which Washington laws govern a loan in Port Orchard

Every row below records a Washington rule, its publisher and its retrieval date — the same rules a Port Orchard lender must follow.

The geography behind Port Orchard

Port Orchard covers about 9.6 square miles of land, with 1.56 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 1,861 residents per square mile. The largest place in Washington, Seattle, lies about 14 miles away. Counting outward 50 miles, 40 larger communities surround Port Orchard. By land area it ranks 49th of 281 Washington places.

Port Orchard against the rest of Washington

Port Orchard is the 63rd-largest of 281 Census places in Washington and contains about 0.4% of the state's people. Its 2020-to-2023 change ranks 13th of 281 Washington places, putting it near the 95th percentile for growth. By density, at about 1,861 people per square mile, it ranks 112th in Washington. In land area, Port Orchard ranks 49th among Washington's 281 places.