Hunts Point at a glance
- Population: about 446, 242nd by size in Washington of 281 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 456 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 2.2% below the 2020 Census base (US Census Bureau).
- Rank among Washington places: the 242nd-largest of 281 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 14% of Washington places in population terms (US Census Bureau).
- Coordinates: latitude 47.6430, longitude -122.2292 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Yarrow Point, WA (0 mi); Clyde Hill, WA (1 mi); Medina, WA (1 mi); Kirkland, WA (4 mi); Bellevue, WA (5 mi) (US Census Bureau populations).
- Nearest smaller places: Beaux Arts Village, WA (4 mi); Index, WA (34 mi); South Prairie, WA (36 mi) (US Census Bureau estimates).
What a personal loan costs in Hunts Point
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Washington lending rules that apply in Hunts Point
The table carries the Washington rate and licensing rules that apply to consumer loans made in Hunts Point.
| 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 Hunts Point
These steps are the ones that most affect the offer you receive in Hunts Point:
- 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.