Granger at a glance
- Population: roughly 3,700 people; 134th of 281 places in Washington (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 3,627 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: a gain of roughly 2.0% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Washington places: 134th of 281 by population (US Census Bureau, Vintage 2023).
- Size percentile: ahead of around 52% of Washington places in population terms (US Census Bureau).
- Coordinates: 46.3453, -120.1927 (US Census Bureau Gazetteer).
- Nearest larger cities: Toppenish, WA (6 mi); Sunnyside, WA (9 mi); Wapato, WA (13 mi); Grandview, WA (15 mi); Moxee, WA (18 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Zillah, WA (6 mi); Mabton, WA (13 mi); Harrah, WA (17 mi), each a US Census place.
What a personal loan costs in Granger
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Washington lending rules that apply in Granger
The sourced rows below are the rules a licensed lender must follow when lending in Washington, and therefore in Granger.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Granger
Before you share your details with a lender in Granger:
- 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.