Personal loans in Zillah, WA
In Zillah, one of 281 Census places in Washington, the figure to compare across lenders is the APR, not the advertised rate. From the 2020 Census base to the 2023 estimate, the population declined by about 1.7%.
The Census counts 3,122 people in Zillah, the 141st-largest figure among Washington's 281 places. Use the calculator on this page to price an amount and term before you commit in Zillah. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Zillah's 3,122 residents. A larger market lies at Toppenish, WA about 3 miles away.
The Zillah data picture
What follows is Zillah's place in the Census record, alongside the Washington rules that govern a personal loan made here.
- Population: 3,122 people, a figure that places Zillah 141st among the 281 Census places in Washington (US Census Bureau, Vintage 2023).
- Population trend: About 1.7% below the 2020 Census base.
- People gained or lost: about 53 fewer since the 2020 base.
- Size percentile: roughly 50% of Washington's places have fewer residents than Zillah's 3,122.
- Density: the Census land area of 1.8 sq mi holds about 1,714 people per square mile.
- Land area: Zillah covers 1.8 square miles, the 155th-largest area among Washington's 281 places.
- State population share: Zillah accounts for about 0.1% of everyone in Washington.
- National rank: Zillah is the 6,149th most populous of the 19,457 Census places covered here.
- Growth in Washington: Zillah stands 229th by percentage change from 2020 to 2023, among 281 places.
- State comparison: Washington's places average +2.8% for 2020-to-2023, against Zillah's 1.7%.
- Density in Washington: Zillah ranks 121st by people per square mile.
- Density in context: Zillah's 1,714 people per square mile sit against a Washington median of 1,518.
- Location: latitude 46.4084, longitude -120.2727 (Census Gazetteer).
- Nearest larger cities: Toppenish (3 mi); Granger (6 mi); Wapato (7 mi); Moxee (12 mi); Sunnyside (14 mi). Lenders licensed in the state serve Zillah whether or not they keep a local branch.
- Nearest smaller towns: Harrah (13 mi); Mabton (19 mi); Naches (30 mi).
- Smaller places within 50 miles: 7 of them.
- Within 100 miles: 38 places are larger than Zillah.
What a Zillah borrower is actually offered
Most loans made to Zillah's 3,122 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Zillah's 3,122 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Zillah loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
How lenders reach Zillah
Zillah is a moderately settled community of about 3,122 people, with 17 larger places inside a 50-mile radius. A Washington licence lets a lender serve Zillah without a local office, so branch density does not change what its 3,122 residents are offered. For a larger market, the closest option is Toppenish, WA about 3 miles away.
How Zillah compares across Washington
Against Washington's other places, Zillah accounts for about 0.1% of the state's population and ranks 141st of 281 by size. On the 2020-to-2023 trend, Zillah stands 229th among Washington's 281 places — roughly the 19th percentile. By density, at about 1,714 people per square mile, it ranks 121st in Washington. Between 2020 and 2023 the count changed by roughly 53 residents.
Zillah on the map
Zillah covers about 1.8 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 1,714 people per square mile. Seattle, the largest place in Washington, is about 129 miles from Zillah. Zillah has 17 larger places within a 50-mile radius. The 100-mile radius contains 38 larger places.
How Washington law applies in Zillah
This table holds the Washington rate and licensing rules for consumer loans made to Zillah's 3,122 residents.
| 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 |
| 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 |
| 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 |
Common questions
What are my options in Zillah if my credit is poor?
What loan size can I expect in Zillah?
Do I have to pledge anything to borrow in Zillah?
Does comparing loans in Zillah cost me credit score points?
Nearby places
- Toppenish, WA — population 8,650
- Granger, WA — population 3,700
- Wapato, WA — population 4,486
- Moxee, WA — population 4,827
- Union Gap, WA — population 6,439
- Harrah, WA — population 570
- Sunnyside, WA — population 16,264
- Yakima, WA — population 96,750