Naches at a glance
- Population: a Census-estimated 1,080, placing it 201st among Washington's 281 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 1,080 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: held steady across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Washington places: 201st by size among 281 communities (US Census Bureau).
- Size percentile: roughly 28% of Washington's places have fewer residents (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 46.7260, -120.6912.
- Nearest larger cities: Tieton, WA (3 mi); Selah, WA (9 mi); Yakima, WA (12 mi); Union Gap, WA (15 mi); Moxee, WA (18 mi); each population is a US Census Bureau estimate.
- Smaller towns nearby: Harrah, WA (23 mi); South Cle Elum, WA (34 mi); Roslyn, WA (43 mi) (US Census Bureau).
What a personal loan costs in Naches
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Washington lending rules that apply in Naches
The table carries the Washington rate and licensing rules that apply to consumer loans made in Naches.
| 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 Naches
The steps below are worth completing first when you borrow in Naches:
- 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.