Beaux Arts Village at a glance
- Population: about 304 residents, ranking 254th of 281 Census places in Washington (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 317 (US Census Bureau).
- 2020 to 2023 change: down about 4.1% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Washington places: 254th largest of 281 (US Census Bureau).
- Size percentile: it is larger than about 10% of the places in Washington (US Census Bureau).
- Coordinates: mapped at 47.5853, -122.2036 by the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Mercer Island, WA (2 mi); Bellevue, WA (2 mi); Clyde Hill, WA (3 mi); Medina, WA (3 mi); Newcastle, WA (4 mi) (US Census Bureau).
- Smaller places close by: Index, WA (34 mi); Skykomish, WA (40 mi); Hamilton, WA (65 mi) (US Census Bureau).
What a personal loan costs in Beaux Arts Village
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Washington lending rules that apply in Beaux Arts Village
Each row below is a Washington rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 to compare offers in Beaux Arts Village
The order below is a sensible way to approach a loan in Beaux Arts Village:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Washington using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.