Personal loans in Winlock, WA
The Census estimates 1,944 residents in Winlock, which ranks it 166th of 281 places in Washington. In Winlock, one of 281 Census places in Washington, the figure to compare across lenders is the APR, not the advertised rate.
Decide the purpose of the loan and your repayment plan before sharing any details with a Winlock lender. Lenders active in Winlock report to a Washington supervisor, identified in the sourced rows below. The 2020 count to the 2023 estimate shows about 32.5% growth in Winlock. The closest larger place is Napavine, WA about 7 miles away.
The Winlock data picture
The figures below are Winlock's own — Census population, land area and coordinates — followed by the Washington rules.
- Population: about 1,944, ranked 166th of 281 places in Washington (Census Vintage 2023 subcounty estimate).
- Population trend: The 2020-to-2023 change is positive, near 32.5%.
- Change in people: the 2020-to-2023 comparison is a gain of about 477 residents.
- Size percentile: Winlock sits ahead of around 41% of Washington places, at 1,944 people.
- Land and density: 3.4 square miles of land carry roughly 575 residents per square mile.
- By land area: Winlock ranks 121st among Washington's 281 places, at 3.4 sq mi.
- Within Washington: about 0.0% of the state's population lives in Winlock.
- National rank: Winlock sits 7,741st by population among the 19,457 places in this dataset.
- Growth rank: Winlock ranks 3rd among Washington's 281 places for the 2020-to-2023 change.
- State comparison: Washington's places average +2.8% for 2020-to-2023, against Winlock's 32.5%.
- Density rank: Winlock places 250th among Washington's places by people per square mile.
- Density in context: Winlock's 575 people per square mile sit against a Washington median of 1,518.
- Location: 46.4907, -122.9184 (US Census Bureau Gazetteer).
- Nearest larger cities: Napavine (7 mi); Chehalis (12 mi); Castle Rock (15 mi); Centralia (16 mi); Longview (24 mi). Living near a larger metro rarely changes what is available in Winlock.
- Smaller places close by: Toledo (4 mi); Vader (6 mi); Pe Ell (19 mi).
- Within a 50-mile radius: 15 smaller Census places.
- Larger places within 100 miles: 131.
How Winlock compares across Washington
Set beside Washington's 281 places, Winlock ranks 166th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 3rd of 281 Washington places, putting it near the 99th percentile for growth. By density, at about 575 people per square mile, it ranks 250th in Washington. Within 50 miles sit 15 smaller Census places, alongside the 25 that are larger.
Winlock on the map
The Census Gazetteer records about 3.4 square miles of land within Winlock, with no significant water area listed. With 1,944 residents, the land area yields roughly 575 people per square mile. Seattle, the largest place in Washington, is about 82 miles from Winlock. A 50-mile radius around Winlock takes in 25 places that are larger. The 100-mile radius contains 131 larger places.
How a Winlock personal loan is priced
A Winlock personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,944 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Winlock. The term you choose in Winlock decides the split between a comfortable payment and the total interest you pay.
The Washington lending rules that reach Winlock
When Washington does not publish a figure, the row links to the source instead of inventing a number; Winlock is bound by the same rules.
| 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 |
How lenders reach Winlock
With about 575 residents per square mile, Winlock is moderately settled, and 25 larger Census places sit within 50 miles. Distance to a branch rarely matters for Winlock's 1,944 residents: the application is online and the price follows your credit file. The nearest bigger place is Napavine, WA about 7 miles away.
Common questions
What are my options in Winlock if my credit is poor?
What loan size can I expect in Winlock?
Do I have to pledge anything to borrow in Winlock?
Does comparing loans in Winlock cost me credit score points?
Nearby places
- Toledo, WA — population 762
- Vader, WA — population 682
- Napavine, WA — population 2,140
- Chehalis, WA — population 7,571
- Castle Rock, WA — population 2,437
- Centralia, WA — population 18,754
- Bucoda, WA — population 615
- Longview, WA — population 37,925