La Conner at a glance
- Population: the Census estimates 982 residents, ranking 206th of 281 places in Washington (Vintage 2023).
- 2020 Census base: 966 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: population rose about 1.7% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Washington places: 206th out of 281 Census places (US Census Bureau).
- Size percentile: roughly 27% of Washington's places have fewer residents (US Census Bureau).
- Coordinates: 48.3926 latitude, -122.4945 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Mount Vernon, WA (9 mi); Anacortes, WA (9 mi); Burlington, WA (9 mi); Oak Harbor, WA (9 mi); Stanwood, WA (12 mi); US Census Bureau population estimates.
- Smaller towns nearby: Lyman, WA (22 mi); Hamilton, WA (25 mi); Concrete, WA (35 mi) (US Census Bureau).
What a personal loan costs in La Conner
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 La Conner
Read the table as the compliance picture for a lender serving La Conner: 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 La Conner
Run through this list before signing anything in La Conner:
- 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.