Harrington at a glance
- Population: roughly 454 people; 240th of 281 places in Washington (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 430 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: roughly 5.6% higher than at the 2020 Census (US Census Bureau).
- Rank among Washington places: 240th of 281 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 15% of Washington's Census places are smaller (US Census Bureau).
- Coordinates: 47.4802 latitude, -118.2553 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Davenport, WA (13 mi); Sprague, WA (18 mi); Reardan, WA (22 mi); Odessa, WA (23 mi); Ritzville, WA (25 mi), each a US Census place with its estimated population.
- Nearest smaller places: Creston, WA (23 mi); Lamont, WA (25 mi); Krupp, WA (35 mi) (US Census Bureau estimates).
What a personal loan costs in Harrington
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Washington lending rules that apply in Harrington
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Harrington
These steps are the ones that most affect the offer you receive in Harrington:
- 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.