Nooksack at a glance
- Population: 1,539, the 185th-largest community in Washington out of 281 (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,470 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 4.7% higher than at the 2020 Census (US Census Bureau).
- Rank among Washington places: 185th by size among 281 communities (US Census Bureau).
- Size percentile: ahead of around 34% of Washington places in population terms (US Census Bureau).
- Coordinates: latitude 48.9281, longitude -122.3196 (US Census Bureau Gazetteer).
- Nearest larger cities: Everson, WA (2 mi); Sumas, WA (5 mi); Lynden, WA (6 mi); Ferndale, WA (13 mi); Bellingham, WA (14 mi), each a US Census place with its estimated population.
- Smaller places close by: Lyman, WA (30 mi); Hamilton, WA (32 mi); Concrete, WA (38 mi) (US Census Bureau).
What a personal loan costs in Nooksack
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Washington lending rules that apply in Nooksack
The sourced rows below are the rules a licensed lender must follow when lending in Washington, and therefore in Nooksack.
| 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 Nooksack
Before you share your details with a lender in Nooksack:
- 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.