Kahlotus at a glance
- Population: a Census-estimated 138, placing it 275th among Washington's 281 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 142 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 2.8% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Washington places: 275th largest of 281 (US Census Bureau).
- Size percentile: ahead of around 2% of Washington places in population terms (US Census Bureau).
- Coordinates: 46.6432 latitude, -118.5561 longitude (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Connell, WA (14 mi); Washtucna, WA (14 mi); Mesa, WA (22 mi); Lind, WA (23 mi); Prescott, WA (26 mi) (US Census Bureau).
- Nearest smaller towns: Hatton, WA (16 mi); Starbuck, WA (22 mi); Lamont, WA (49 mi) — US Census Bureau populations.
What a personal loan costs in Kahlotus
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.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Washington lending rules that apply in Kahlotus
The table lists the Washington rules that apply to a loan made in Kahlotus, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Kahlotus
Before you share your details with a lender in Kahlotus:
- 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.