Pomeroy at a glance
- Population: 1,428, the 188th-largest community in Washington out of 281 (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,390 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a gain of roughly 2.7% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Washington places: the 188th-largest of 281 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 33% of places in Washington rank below it by population (US Census Bureau).
- Coordinates: latitude 46.4738, longitude -117.5965 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Dayton, WA (21 mi); Clarkston, WA (26 mi); Pullman, WA (27 mi); Lewiston, ID (29 mi); Moscow, ID (33 mi) (US Census Bureau).
- Nearest smaller places: Colton, WA (23 mi); Uniontown, WA (25 mi); Starbuck, WA (26 mi) (US Census Bureau estimates).
What a personal loan costs in Pomeroy
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
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-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Washington lending rules that apply in Pomeroy
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Pomeroy
These steps are the ones that most affect the offer you receive in Pomeroy:
- 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.