Personal loans in Woodinville, WA
For a borrower among the roughly 13,718 residents of Woodinville, a personal loan is a tool whose cost turns on the terms, not the address.
Woodinville is home to roughly 13,718 people and stands 71st by size out of 281 Census places in Washington. Census figures put the 2020-to-2023 increase in Woodinville at about 5.0%. Use the calculator on this page to price an amount and term before you commit in Woodinville. The closest larger city is Bothell, WA about 3 miles away. A single loan can carry different costs on either side of a state line, and Woodinville sits on the Washington side of that line.
Woodinville by the numbers
Two layers matter for a Woodinville borrower: the local population picture and Washington's consumer-lending statutes.
- Population: 13,718 residents; Woodinville is the 71st-largest of 281 places in Washington (US Census Bureau, Vintage 2023).
- Population trend: Up about 5.0% from the 2020 Census base to the 2023 estimate.
- People gained or lost: about 656 more since the 2020 base.
- Size percentile: Woodinville sits ahead of around 75% of Washington places, at 13,718 people.
- Population density: 2,443 people per square mile on 5.6 square miles of land.
- Land area: Woodinville covers 5.6 square miles, the 91st-largest area among Washington's 281 places.
- Water: Woodinville holds about 0.02 square miles, the 157th-largest water area in Washington.
- Share of state population: Woodinville's 13,718 residents are about 0.3% of Washington.
- National standing: Woodinville ranks 2,521st of 19,457 US places.
- Growth rank: Woodinville's 2020-to-2023 change ranks 58th of 281 places in Washington.
- State comparison: Washington's places average +2.8% for 2020-to-2023, against Woodinville's 5.0%.
- Density rank: Woodinville is the 81st most densely settled place in Washington.
- Density vs Washington: Woodinville's 2,443 people per square mile compare with a state median of 1,518.
- Location: the Census Gazetteer records it at 47.7577, -122.1468.
- Nearest larger cities: Bothell (3 mi); Kenmore (5 mi); Kirkland (5 mi); Redmond (6 mi); Mountlake Terrace (8 mi). Lenders licensed in the state serve Woodinville whether or not they keep a local branch.
- Smaller places nearby: Brier (6 mi); Lake Forest Park (7 mi); Duvall (8 mi).
- Smaller places within 50 miles: 46 of them.
- At 100 miles: 53 larger Census places fall inside that radius.
What is available to Woodinville borrowers
With about 2,443 residents per square mile, Woodinville is fairly dense, and 40 larger Census places sit within 50 miles. Whether Woodinville has a local branch or not, a Washington-licensed lender can serve its 13,718 people online on the same terms. The nearest larger city, Bothell, WA about 3 miles away.
How Washington law applies in Woodinville
These are Washington's sourced lending facts as they reach Woodinville's 13,718 residents; the state has no city-level rate rule.
| 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 |
Where Woodinville sits in Washington
Among Washington's 281 places, Woodinville sits at 71st for population, a share of roughly 0.3% of the state. Its 2020-to-2023 change ranks 58th of 281 Washington places, putting it near the 79th percentile for growth. Its roughly 2,443 residents per square mile place it 81st among Washington's places. Between 2020 and 2023 the count changed by roughly 656 residents.
Inside a Woodinville personal loan
With roughly 13,718 residents, Woodinville is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Woodinville can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Woodinville loan is knowable in advance — unlike a revolving card balance.
Woodinville on the map
Woodinville covers about 5.6 square miles of land, with 0.02 square miles of water inside its boundaries (Census Gazetteer). With 13,718 residents, the land area yields roughly 2,443 people per square mile. For the state's biggest city, Seattle, the distance is roughly 13 miles. Woodinville has 40 larger places within a 50-mile radius. Within the same 50 miles lie 46 smaller Census places.
Common questions
What are my options in Woodinville if my credit is poor?
What loan size can I expect in Woodinville?
Do I have to pledge anything to borrow in Woodinville?
Does comparing loans in Woodinville cost me credit score points?
Nearby places
- Bothell, WA — population 50,213
- Kirkland, WA — population 91,194
- Redmond, WA — population 80,280
- Kenmore, WA — population 23,391
- Mill Creek, WA — population 20,742
- Brier, WA — population 6,460
- Yarrow Point, WA — population 1,105
- Hunts Point, WA — population 446