Personal loans in Warden, WA
With 2,667 residents, Warden outranks about 47% of the communities in Washington. If you are weighing a personal loan in Warden, start from the payment you can carry; its 2,667 residents face the same statewide rules.
Warden gained roughly 8.9% in population across the 2020-to-2023 comparison. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Warden loan. Every figure below is Washington's own, applied to Warden's 2,667 residents, with the publisher and retrieval date attached. The next larger city is Othello, WA about 11 miles away.
Warden: population, trend and location
Here is the sourced Census picture for Warden, plus the Washington lending rules that apply to a loan taken out here.
- Population: about 2,667, ranked 149th of 281 places in Washington (Census Vintage 2023 subcounty estimate).
- Population trend: About 8.9% above the 2020 Census base.
- Absolute change: 219 residents added between 2020 and 2023.
- Size percentile: Warden's 2,667 people outrank roughly 47% of the places in Washington.
- Density: the Census land area of 3.0 sq mi holds about 893 people per square mile.
- Land area: Warden covers 3.0 square miles, the 125th-largest area among Washington's 281 places.
- Water: Warden holds about 0.02 square miles, the 150th-largest water area in Washington.
- State share: roughly 0.1% of Washington's residents live in Warden (2,667 people).
- National rank: Warden sits 6,649th by population among the 19,457 places in this dataset.
- Growth in Washington: Warden stands 32nd by percentage change from 2020 to 2023, among 281 places.
- Versus Washington: the state average change is +2.8%, while Warden moved 8.9%.
- Density rank: Warden is the 213th most densely settled place in Washington.
- Density in context: Warden's 893 people per square mile sit against a Washington median of 1,518.
- Location: 46.9673 / -119.0528, per the US Census Bureau Gazetteer.
- Nearest larger cities: Othello (11 mi); Moses Lake (15 mi); Connell (23 mi); Ephrata (33 mi); Quincy (42 mi). A branch is convenient; it is not what sets your APR.
- Smaller communities close by: Hatton (17 mi); Lind (21 mi); Royal City (27 mi), each with its own Census population profile.
- Within a 50-mile radius: 14 smaller Census places.
- Within 100 miles: 42 places are larger than Warden.
Inside a Warden personal loan
In Warden, a small community of about 2,667, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Warden lender to disclose the APR and finance charge before you sign. The term you choose in Warden decides the split between a comfortable payment and the total interest you pay.
What to do before borrowing in Warden
Complete these steps first when you borrow in Warden (2,667 residents):
- Pull your credit reports first and correct any error before a lender sees the file.
- Model the payment on the calculator before a lender models it for you.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Verify the lender's Washington licence with the regulator listed on this page.
- Write down the purpose of the loan and your repayment plan before you apply.
- 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.
None of these steps is Warden-specific: the same Washington licensing and disclosure rules reach all 2,667 residents.
Getting a loan in Warden
Warden is moderately settled, with about 893 people per square mile and 9 larger places within 50 miles. Distance to a branch rarely matters for Warden's 2,667 residents: the application is online and the price follows your credit file. The nearest larger city, Othello, WA about 11 miles away.
Where Warden sits in Washington
Set beside Washington's 281 places, Warden ranks 149th by population and holds about 0.1% of the state total. Its 2020-to-2023 change ranks 32nd of 281 Washington places, putting it near the 89th percentile for growth. Its roughly 893 residents per square mile place it 213th among Washington's places. Within 50 miles sit 14 smaller Census places, alongside the 9 that are larger.
Washington consumer-lending rules applied in Warden
Read the table as a lender's compliance picture for Warden: the rule, the sourced figure, the publisher and the date.
| 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 |
Common questions
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Nearby places
- Othello, WA — population 8,878
- Moses Lake, WA — population 26,299
- Hatton, WA — population 85
- Connell, WA — population 4,735
- Mesa, WA — population 385
- Lind, WA — population 522
- Krupp, WA — population 47
- Wilson Creek, WA — population 202