Personalloaned Compare rates

WA · city page

Personal loans in Fife, WA

Borrowers in Fife use personal loans to consolidate balances or cover a one-time cost, and the terms depend on your credit, income and existing obligations. The Census counts about 10,723 residents in Fife, ranking it 88th among the 281 places in Washington. Washington's rate ceilings and lender-licensing requirements appear below, each with the publisher and date behind it.

By the Personalloaned Editorial Team · Last updated 2026-09-16

Compare rates Run the numbers first

Advertising disclosure: Personalloaned may receive a referral fee if you apply through a link on this page. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.

Fife at a glance

  • Population: 10,723 — 88th in Washington, which has 281 Census places (US Census Bureau, Vintage 2023).
  • 2020 Census base: 11,030 residents (US Census Bureau, 2020 Census).
  • 2020 to 2023 change: population fell about 2.8% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
  • Rank among Washington places: 88th in population of 281 places (US Census Bureau).
  • Size percentile: it exceeds roughly 69% of Washington's Census places by population (US Census Bureau).
  • Coordinates: it sits at 47.2323, -122.3506 in the US Census Bureau Gazetteer.
  • Nearest larger cities (within 120 miles): Edgewood, WA (3 mi); Puyallup, WA (5 mi); Tacoma, WA (5 mi); Sumner, WA (5 mi); Federal Way, WA (6 mi) (US Census Bureau populations).
  • Nearest smaller places: Milton, WA (2 mi); Pacific, WA (5 mi); Algona, WA (6 mi) (US Census Bureau estimates).

What a personal loan costs in Fife

Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.

Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.

The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.

If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.

Washington lending rules that apply in Fife

Each row below is a Washington rule with its publisher and the date it was retrieved.

RuleDetailSource
State lending regulatorWashington 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 statusLicensed; 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 licensingConsumer 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 Fife

Before you commit to a personal loan in Fife, work through these steps:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Washington using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Fife?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Fife are the same as elsewhere in Washington.
How much can I borrow with a personal loan in Fife?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Fife require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Fife hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

Related