Enumclaw at a glance
- Population: a Census-estimated 12,697, placing it 78th among Washington's 281 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 12,546 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: roughly 1.2% higher than at the 2020 Census (US Census Bureau).
- Rank among Washington places: 78th in population of 281 places (US Census Bureau).
- Size percentile: it exceeds roughly 72% of Washington's Census places by population (US Census Bureau).
- Coordinates: 47.2022 / -121.9890, per the US Census Bureau Gazetteer.
- Nearest larger cities: Bonney Lake, WA (8 mi); Maple Valley, WA (12 mi); Covington, WA (12 mi); Auburn, WA (13 mi); Edgewood, WA (14 mi); each population is a US Census Bureau estimate.
- Nearest smaller places: Buckley, WA (3 mi); South Prairie, WA (7 mi); Wilkeson, WA (8 mi) (US Census Bureau estimates).
What a personal loan costs in Enumclaw
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Enumclaw
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 Enumclaw
A few practical steps will make the process in Enumclaw less costly:
- 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.