Personal loans in Sunnyside, WA
State law, not city hall, decides what a lender may do to Sunnyside's roughly 16,264 residents, and a state regulator supervises it. About 16,264 people live in Sunnyside, placing it 67th of 281 Census places in Washington.
With roughly 16,264 residents, Sunnyside is a small town, and the lending rules its borrowers live under are written in Washington, not by the city. The 2020 count to the 2023 estimate shows about 0.8% decline in Sunnyside. Begin with the payment, then weigh APR and total interest across the lenders that reach Sunnyside's 16,264 residents. The closest larger city is West Richland, WA about 29 miles away.
Sunnyside: the sourced local profile
What follows is Sunnyside's place in the Census record, alongside the Washington rules that govern a personal loan made here.
- Population: 16,264 — Sunnyside ranks 67th of 281 communities in Washington (US Census Bureau, Vintage 2023).
- Population trend: The 2020-to-2023 change is negative, near 0.8%.
- Net change: roughly 123 fewer people than the 2020 Census counted.
- Size percentile: about 76% of Washington's Census places are smaller than Sunnyside.
- Population density: about 2,154 people per square mile across 7.6 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Sunnyside's 7.6 square miles rank 63rd of 281 places in Washington.
- Share of state population: Sunnyside's 16,264 residents are about 0.3% of Washington.
- Nationally: Sunnyside is the 2,232nd-largest of 19,457 Census places in the dataset.
- Growth rank: Sunnyside's 2020-to-2023 change ranks 209th of 281 places in Washington.
- Against the state trend: Sunnyside's 0.8% change compares with a Washington average of +2.8% across its 281 places.
- Density in Washington: Sunnyside ranks 91st by people per square mile.
- Density in context: Sunnyside's 2,154 people per square mile sit against a Washington median of 1,518.
- Location: coordinates 46.3157, -120.0058 (US Census Bureau Gazetteer).
- Nearest larger cities: West Richland (29 mi); Yakima (32 mi); Richland (34 mi); Kennewick (40 mi); Pasco (42 mi). Larger metros often have more branches, but online lenders reach Sunnyside on the same terms.
- Nearest smaller places: Grandview (7 mi); Mabton (7 mi); Granger (9 mi).
- Smaller places within 50 miles: 20 of them.
- Within 100 miles: 11 places are larger than Sunnyside.
Getting a loan in Sunnyside
Sunnyside is a fairly dense community of about 16,264 people, with 6 larger places inside a 50-mile radius. Whether Sunnyside has a local branch or not, a Washington-licensed lender can serve its 16,264 people online on the same terms. The nearest bigger place is West Richland, WA about 29 miles away.
Where Sunnyside sits in Washington
Sunnyside is the 67th-largest of 281 Census places in Washington and contains about 0.3% of the state's people. On the 2020-to-2023 trend, Sunnyside stands 209th among Washington's 281 places — roughly the 26th percentile. By density, at about 2,154 people per square mile, it ranks 91st in Washington. By land area, its 7.6 square miles rank 63rd of 281 places in Washington.
The Washington lending rules that reach Sunnyside
This table holds the Washington rate and licensing rules for consumer loans made to Sunnyside's 16,264 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 |
| Small-loan / installment lender licensing | Consumer Loan Company license required (Consumer Loan Act, RCW 31.04.035) Source says: No person may engage in any activity subject to this chapter without first obtaining and maintaining a license in accordance with this chapter. | Washington State Legislature (RCW) 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 |
Before you apply in Sunnyside
A sensible order of operations for a loan in Sunnyside, home to about 16,264 people:
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Model the payment on the calculator before a lender models it for you.
- Line up several pre-qualified offers and let the APR decide.
- Verify the lender's Washington licence with the regulator listed on this page.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
- Check the disclosure for fees that raise the true cost above the quoted rate.
- Test the payment against your current bills before you commit.
None of these steps is Sunnyside-specific: the same Washington licensing and disclosure rules reach all 16,264 residents.
Land, water and location for Sunnyside
Inside Sunnyside's boundaries lie about 7.6 square miles of land, with no significant water area recorded. Spread across it are roughly 2,154 residents per square mile. The state's population centre of gravity, Seattle, is roughly 143 miles away. Sunnyside has 6 larger places within a 50-mile radius. By land area it ranks 63rd of 281 Washington places.
Common questions
What are my options in Sunnyside if my credit is poor?
What loan size can I expect in Sunnyside?
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Does comparing loans in Sunnyside cost me credit score points?
Nearby places
- Mabton, WA — population 1,943
- Grandview, WA — population 11,149
- Granger, WA — population 3,700
- Prosser, WA — population 6,366
- Zillah, WA — population 3,122
- Toppenish, WA — population 8,650
- Mattawa, WA — population 3,761
- Wapato, WA — population 4,486