Hartline at a glance
- Population: 177 residents, the 269th-largest of 281 places in Washington (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 179 (US Census Bureau).
- 2020 to 2023 change: down roughly 1.1% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Washington places: 269th-largest of 281 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: larger than about 4% of the Census places in Washington (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 47.6894, -119.1081.
- Nearest larger cities (120-mile radius): Almira, WA (8 mi); Coulee City, WA (10 mi); Electric City, WA (16 mi); Grand Coulee, WA (18 mi); Wilson Creek, WA (18 mi) (US Census Bureau).
- Nearest smaller towns: Krupp, WA (20 mi); Hatton, WA (65 mi); Lamont, WA (66 mi) — US Census Bureau populations.
What a personal loan costs in Hartline
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Hartline
Read the table as the compliance picture for a lender serving Hartline: label, sourced figure, publisher and date.
| 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 Hartline
Run through this list before signing anything in Hartline:
- 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.