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.
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.
- Population: 924 residents; Wilbur is the 211th-largest of 281 places in Washington (US Census Bureau, Vintage 2023).
- Population trend: A gain of roughly 3.4% between 2020 and 2023.
- People gained or lost: about 30 more since the 2020 base.
- Size percentile: roughly 25% of Washington places rank below Wilbur.
- Land and density: 1.3 square miles of land carry roughly 701 residents per square mile.
- By land area: Wilbur ranks 178th among Washington's 281 places, at 1.3 sq mi.
- State population share: Wilbur accounts for about 0.0% of everyone in Washington.
- National rank: Wilbur is the 10,585th most populous of the 19,457 Census places covered here.
- Growth in Washington: Wilbur stands 96th by percentage change from 2020 to 2023, among 281 places.
- Versus Washington: the state average change is +2.8%, while Wilbur moved 3.4%.
- Density rank: Wilbur places 234th among Washington's places by people per square mile.
- Density vs Washington: Wilbur's 701 people per square mile compare with a state median of 1,518.
- Location: 47.7581, -118.7119 (US Census Bureau Gazetteer).
- Nearest larger cities: Grand Coulee (18 mi); Electric City (19 mi); Coulee Dam (19 mi); Davenport (27 mi); Odessa (29 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller places close by: Creston (9 mi); Almira (11 mi); Hartline (19 mi).
- Within a 50-mile radius: 13 smaller Census places.
- Larger places within 100 miles: 54.
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.
| 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 |
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.
Common questions
What are my options in Wilbur if my credit is poor?
What loan size can I expect in Wilbur?
Do I have to pledge anything to borrow in Wilbur?
Does comparing loans in Wilbur cost me credit score points?
Nearby places
- Creston, WA — population 230
- Almira, WA — population 332
- Coulee Dam, WA — population 1,223
- Grand Coulee, WA — population 958
- Elmer City, WA — population 244
- Electric City, WA — population 946
- Hartline, WA — population 177
- Odessa, WA — population 926