Personalloaned Compare rates

WA · city page

Personal loans in Pullman, WA

Taking out a personal loan in Pullman means a fixed monthly payment for a set term, and the APR you are quoted rests on your credit, income and debts. Census estimates count about 32,863 residents in Pullman, making it the 38th-largest of 281 places in Washington. Every lender serving Washington must observe the state's rate caps and licensing rules, shown with their sources below.

By the Personalloaned Editorial Team · Last updated 2026-09-16

Compare rates Run the numbers first

Advertising disclosure: Personalloaned may receive a referral fee if you apply through a link on this page. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.

Pullman at a glance

  • Population: about 32,863 residents, ranking 38th of 281 Census places in Washington (US Census Bureau, Vintage 2023 subcounty estimate).
  • 2020 Census base: 32,905 people counted in the 2020 Census (US Census Bureau).
  • 2020 to 2023 change: about 0.1% below the 2020 Census base (US Census Bureau).
  • Rank among Washington places: 38th in population of 281 places (US Census Bureau).
  • Size percentile: larger than about 86% of the Census places in Washington (US Census Bureau).
  • Coordinates: 46.7331 latitude, -117.1683 longitude (US Census Bureau Gazetteer).
  • Nearest larger cities within 120 miles: Lewiston, ID (25 mi); Spokane Valley, WA (64 mi); Spokane, WA (66 mi); Coeur d'Alene, ID (69 mi); Post Falls, ID (69 mi) (US Census Bureau).
  • Nearest smaller communities: Albion, WA (6 mi); Moscow, ID (8 mi); Colton, WA (12 mi) (Census populations).

What a personal loan costs in Pullman

With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.

Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.

Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.

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 Pullman

Each row below is a Washington rule with its publisher and the date it was retrieved.

RuleDetailSource
State lending regulatorWashington 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 statusLicensed; 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 licensingConsumer 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 Pullman

Before you share your details with a lender in Pullman:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Washington using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Pullman?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Pullman are the same as elsewhere in Washington.
How much can I borrow with a personal loan in Pullman?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Pullman require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Pullman hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

Related