Personal loans in Rockford, WA
At about 574 residents, Rockford is larger than roughly 18% of the places in Washington. With roughly 574 residents, Rockford is a small community, and the lending rules its borrowers live under are written in Washington, not by the city.
Rockford gained roughly 9.5% in population across the 2020-to-2023 comparison. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Rockford loan. A single loan can carry different costs on either side of a state line, and Rockford sits on the Washington side of that line. The next larger city is Fairfield, WA about 5 miles away.
Local context for Rockford
Most of what governs a Rockford loan is written in Washington law rather than in the city; the sourced notes below make that split concrete.
- Population: the Census counts 574 residents in Rockford (Vintage 2023 subcounty estimate), the 231st-largest figure among Washington's 281 places.
- Population trend: The 2020-to-2023 change is positive, near 9.5%.
- People gained or lost: about 50 more since the 2020 base.
- Size percentile: Rockford's 574 people outrank roughly 18% of the places in Washington.
- Population density: about 864 people per square mile across 0.7 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Rockford covers 0.7 square miles, the 229th-largest area among Washington's 281 places.
- Share of Washington: Rockford holds about 0.0% of the state's population, some 574 people.
- National standing: Rockford ranks 12,617th of 19,457 US places.
- Growth rank: Rockford's 2020-to-2023 change ranks 29th of 281 places in Washington.
- State comparison: Washington's places average +2.8% for 2020-to-2023, against Rockford's 9.5%.
- Density in Washington: Rockford ranks 217th by people per square mile.
- Density vs Washington: Rockford's 864 people per square mile compare with a state median of 1,518.
- Location: 47.4515, -117.1306 (Census Gazetteer coordinates).
- Nearest larger cities: Fairfield (5 mi); Plummer (14 mi); Liberty Lake (15 mi); Spokane Valley (15 mi); Tekoa (16 mi). Online lenders reach Rockford no matter how far the nearest branch is.
- Nearest smaller towns: Waverly (9 mi); Worley (10 mi); Latah (12 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 19 of them.
- Within 100 miles: 70 places are larger than Rockford.
What shapes a Rockford personal loan
Most loans made to Rockford's 574 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Rockford 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 Rockford loan is knowable in advance — unlike a revolving card balance.
Rockford's place among Washington's 281 places
Against Washington's other places, Rockford accounts for about 0.0% of the state's population and ranks 231st of 281 by size. On the 2020-to-2023 trend, Rockford stands 29th among Washington's 281 places — roughly the 90th percentile. At about 864 people per square mile, Rockford is the 217th most densely settled place in Washington. Between 2020 and 2023 the count changed by roughly 50 residents.
The state rulebook for Rockford
These are Washington's sourced lending facts as they reach Rockford's 574 residents; the state has no city-level rate rule.
| 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 |
Lender access in Rockford
Rockford is moderately settled, with about 864 people per square mile and 32 larger places within 50 miles. Distance to a branch rarely matters for Rockford's 574 residents: the application is online and the price follows your credit file. The nearest bigger place is Fairfield, WA about 5 miles away.
Rockford: area, density and distance
Rockford's land area is roughly 0.7 square miles, and the Gazetteer records no significant water area within it. That land carries about 864 people per square mile. For the state's biggest city, Seattle, the distance is roughly 244 miles. Counting outward 50 miles, 32 larger communities surround Rockford. By land area it ranks 229th of 281 Washington places.
Common questions
What are my options in Rockford if my credit is poor?
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Does comparing loans in Rockford cost me credit score points?
Nearby places
- Fairfield, WA — population 590
- Waverly, WA — population 120
- Latah, WA — population 174
- Worley, ID — population 249
- Liberty Lake, WA — population 13,188
- Tekoa, WA — population 805
- Spokane Valley, WA — population 108,235
- Spangle, WA — population 278