North Bonneville at a glance
- Population: about 1,422, 189th by size in Washington of 281 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 1,397 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a gain of roughly 1.8% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Washington places: 189th by size among 281 communities (US Census Bureau).
- Size percentile: about 33% of places in Washington are smaller (US Census Bureau).
- Coordinates: 45.6414 / -121.9727, per the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Stevenson, WA (5 mi); Washougal, WA (19 mi); Troutdale, OR (21 mi); Hood River, OR (22 mi); Sandy, OR (22 mi) (US Census Bureau).
- Smaller places nearby: Cascade Locks, OR (6 mi); Bingen, WA (25 mi); Mosier, OR (28 mi), per US Census Bureau estimates.
What a personal loan costs in North Bonneville
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 North Bonneville
The table carries the Washington rate and licensing rules that apply to consumer loans made in North Bonneville.
| 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 North Bonneville
These steps are the ones that most affect the offer you receive in North Bonneville:
- 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.