Personal loans in Wilbur, WA

Roughly 924 residents live in Wilbur, the 211th-largest community in Washington. The first question in Wilbur is not the rate on offer but whether the payment fits; about 924 people live here under Washington lending law.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Population in Wilbur climbed about 3.4% over the three years from 2020 to 2023. Rate-shopping from Wilbur costs nothing at pre-qualification, where a soft pull leaves your credit file alone. Lenders active in Wilbur report to a Washington supervisor, identified in the sourced rows below. The nearest larger metro is Grand Coulee, WA about 18 miles away.

What the Census records for Wilbur

What follows is Wilbur's place in the Census record, alongside the Washington rules that govern a personal loan made here.

How lenders reach Wilbur

Wilbur is a moderately settled community of about 924 people, with 10 larger places inside a 50-mile radius. Lenders licensed in Washington reach Wilbur's 924 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Grand Coulee, WA about 18 miles away.

Where Wilbur sits

Wilbur's land area is roughly 1.3 square miles, and the Gazetteer records no significant water area within it. With 924 residents, the land area yields roughly 701 people per square mile. Seattle, the largest place in Washington, is about 170 miles from Wilbur. A 50-mile radius around Wilbur takes in 10 places that are larger. The 100-mile radius contains 54 larger places.

Washington rules behind a Wilbur personal loan

Read the table as a lender's compliance picture for Wilbur: the rule, the sourced figure, the publisher and the date.

RuleDetailSource
State lending regulatorWashington 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 licensingConsumer 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

Inside a Wilbur personal loan

Wilbur is a small community of about 924 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Wilbur can be quoted different APRs on the same amount and term. The term you choose in Wilbur decides the split between a comfortable payment and the total interest you pay.

Where Wilbur sits in Washington

Among Washington's 281 places, Wilbur sits at 211th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Wilbur ranks 96th of 281 in Washington (about the 66th percentile). By density, at about 701 people per square mile, it ranks 234th in Washington. By land area, its 1.3 square miles rank 178th of 281 places in Washington.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Wilbur if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Wilbur is the same as anywhere in Washington.
What loan size can I expect in Wilbur?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Wilbur?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Wilbur cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

Related