Personal loans in Prescott, WA

Compare APR, not the interest rate, because the APR folds in most fees on a Prescott loan. Consumer lending that reaches Prescott's 369 residents is governed by Washington statute; no city ordinance changes it. A 2020-to-2023 comparison shows Prescott down by about 0.8%. A larger market lies at Waitsburg, WA about 8 miles away.

Prescott: population, trend and location

Two layers matter for a Prescott borrower: the local population picture and Washington's consumer-lending statutes.

• Population: 369 — Prescott ranks 248th of 281 communities in Washington (US Census Bureau, Vintage 2023).
• Population trend: The 2020-to-2023 change is negative, near 0.8%.
• Absolute change: 3 residents lost between 2020 and 2023.
• Size percentile: about 12% of Washington communities are smaller than Prescott (369 residents).
• Population density: about 925 people per square mile across 0.4 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Prescott covers 0.4 square miles, the 253rd-largest area among Washington's 281 places.
• State share: roughly 0.0% of Washington's residents live in Prescott (369 people).
• National rank: Prescott is 14,424th of 19,457 places nationwide.
• Growth in Washington: Prescott stands 211th by percentage change from 2020 to 2023, among 281 places.
• State comparison: Washington's places average +2.8% for 2020-to-2023, against Prescott's 0.8%.
• Density rank: Prescott places 208th among Washington's places by people per square mile.
• Against the state median: Prescott runs about 925 residents per square mile, where the Washington median is 1,518.
• Location: it lies at 46.2988, -118.3126 in the Census Gazetteer.
• Nearest larger cities: Waitsburg (8 mi); Walla Walla (16 mi); Dayton (16 mi); College Place (18 mi); Milton-Freewater (25 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Nearest smaller towns: Starbuck (18 mi); Kahlotus (26 mi); Washtucna (31 mi).
• Within a 50-mile radius: 6 smaller Census places.
• Larger places within 100 miles: 92.

Steps to take before a Prescott loan

Before you apply in Prescott, a community of about 369, work through these steps:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Model the payment on the calculator before a lender models it for you.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Confirm the lender holds a Washington licence by checking the regulator named above.
5. Pick the shortest term whose payment you can comfortably afford.
6. Keep the amount to the expense; an approval is not a reason to take more.
7. Write down the purpose of the loan and your repayment plan before you apply.

What differs between Prescott and the rest of Washington is not the process but the borrower's own file, among the 369 people here.

Prescott on the map

Prescott's land area is roughly 0.4 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 925 people per square mile. The state's population centre of gravity, Seattle, is roughly 211 miles away. Counting outward 50 miles, 16 larger communities surround Prescott. Within the same 50 miles lie 6 smaller Census places.

Prescott in state context

Prescott is the 248th-largest of 281 Census places in Washington and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 211th of 281 Washington places, putting it near the 25th percentile for growth. Its roughly 925 residents per square mile place it 208th among Washington's places. By land area, its 0.4 square miles rank 253rd of 281 places in Washington.

How a Prescott personal loan is priced

A Prescott personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 369 residents. Because pricing is borrower-level, two people in Prescott can be quoted different APRs on the same amount and term. The term you choose in Prescott decides the split between a comfortable payment and the total interest you pay.

Washington rules behind a Prescott personal loan

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