Camas at a glance
- Population: 27,254 residents, the 42nd-largest of 281 places in Washington (US Census Bureau, Vintage 2023).
- 2020 Census base: 26,073 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: up roughly 4.5% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Washington places: 42nd-largest of 281 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 85% of Washington's places have fewer residents (US Census Bureau).
- Coordinates: latitude 45.6018, longitude -122.4304 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Gresham, OR (7 mi); Vancouver, WA (8 mi); Portland, OR (12 mi); Happy Valley, OR (12 mi); Lake Oswego, OR (18 mi) (US Census Bureau populations).
- Smaller places close by: Fairview, OR (4 mi); Washougal, WA (4 mi); Wood Village, OR (5 mi) (US Census Bureau).
What a personal loan costs in Camas
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 Camas
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 |
| 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 |
How to compare offers in Camas
Run through this list before signing anything in Camas:
- 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.