Personal loans in Riverside, WA
Riverside is a small community in Washington, with an estimated 332 residents, and every licensed lender here follows the same state rulebook. At about 332 residents, Riverside is larger than roughly 11% of the places in Washington.
From the 2020 Census base to the 2023 estimate, the population rose by about 2.5%. Every figure below is Washington's own, applied to Riverside's 332 residents, with the publisher and retrieval date attached. Decide the purpose of the loan and your repayment plan before sharing any details with a Riverside lender. For a bigger market, look to Omak, WA about 6 miles away.
Riverside by the numbers
Two layers matter for a Riverside borrower: the local population picture and Washington's consumer-lending statutes.
- Population: about 332, ranked 251st of 281 places in Washington (Census Vintage 2023 subcounty estimate).
- Population trend: A gain of roughly 2.5% between 2020 and 2023.
- People gained or lost: about 8 more since the 2020 base.
- Size percentile: roughly 11% of Washington's places have fewer residents than Riverside's 332.
- Population density: about 374 people per square mile across 0.9 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Riverside's 0.9 square miles rank 214th of 281 places in Washington.
- Water area: Riverside has 0.05 square miles of water, ranking 131st of 281 places in Washington.
- State share: roughly 0.0% of Washington's residents live in Riverside (332 people).
- National rank: Riverside sits 14,774th by population among the 19,457 places in this dataset.
- Growth rank: Riverside's 2020-to-2023 change ranks 111th of 281 places in Washington.
- Against the state trend: Riverside's 2.5% change compares with a Washington average of +2.8% across its 281 places.
- Density rank: Riverside is the 266th most densely settled place in Washington.
- Density in context: Riverside's 374 people per square mile sit against a Washington median of 1,518.
- Location: 48.5129, -119.5157 (Census Gazetteer coordinates).
- Nearest larger cities: Omak (6 mi); Okanogan (10 mi); Tonasket (14 mi); Twisp (30 mi); Oroville (30 mi). A branch is convenient; it is not what sets your APR.
- Smaller communities within reach: Conconully (11 mi); Nespelem (35 mi); Elmer City (44 mi).
- Smaller neighbours: 4 places smaller than Riverside sit within 50 miles.
- Larger places within 100 miles: 36.
What a Riverside borrower is actually offered
With roughly 332 residents, Riverside is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Riverside lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Riverside loan is knowable in advance — unlike a revolving card balance.
Riverside: area, density and distance
Inside Riverside's boundaries lie roughly 0.9 square miles of land and 0.05 square miles of water. That land carries about 374 people per square mile. The state's population centre of gravity, Seattle, is roughly 145 miles away. A 50-mile radius around Riverside takes in 13 places that are larger. The 100-mile radius contains 36 larger places.
How lenders reach Riverside
With about 374 residents per square mile, Riverside is lightly settled, and 13 larger Census places sit within 50 miles. A Washington licence lets a lender serve Riverside without a local office, so branch density does not change what its 332 residents are offered. For a larger market, the closest option is Omak, WA about 6 miles away.
The Washington lending rules that reach Riverside
The rows below set out what a licensed lender must follow in Washington, and so for Riverside's roughly 332 residents.
| 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 |
Where Riverside sits in Washington
Within Washington, Riverside holds roughly 0.0% of all residents, the 251st-largest share among 281 places. For population change between 2020 and 2023, Riverside ranks 111th of 281 in Washington (about the 60th percentile). By density, at about 374 people per square mile, it ranks 266th in Washington. In land area, Riverside ranks 214th among Washington's 281 places.
Common questions
What are my options in Riverside if my credit is poor?
What loan size can I expect in Riverside?
Do I have to pledge anything to borrow in Riverside?
Does comparing loans in Riverside cost me credit score points?
Nearby places
- Omak, WA — population 5,004
- Okanogan, WA — population 2,418
- Tonasket, WA — population 1,110
- Conconully, WA — population 194
- Oroville, WA — population 1,852
- Brewster, WA — population 2,044
- Bridgeport, WA — population 2,156
- Pateros, WA — population 611