Endicott at a glance
- Population: 306 residents, the 253rd-largest of 281 places in Washington (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 311 residents here (US Census Bureau).
- 2020 to 2023 change: about 1.6% below the 2020 Census base (US Census Bureau).
- Rank among Washington places: 253rd-largest of 281 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it exceeds roughly 10% of Washington's Census places by population (US Census Bureau).
- Coordinates: 46.9282, -117.6867 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: St. John, WA (12 mi); Colfax, WA (18 mi); Albion, WA (23 mi); Oakesdale, WA (25 mi); Rosalia, WA (26 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: LaCrosse, WA (14 mi); Lamont, WA (21 mi); Malden, WA (23 mi) (Census populations).
What a personal loan costs in Endicott
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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 longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Washington lending rules that apply in Endicott
Each row below is a Washington rule with its publisher and the date it was retrieved.
| 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 Endicott
Here is a short checklist for comparing personal loans in Endicott:
- 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.