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Personal loans in Quincy, WA

In Quincy, a personal loan turns a one-time expense into predictable monthly payments, and the rate you get depends on your credit, income and debts. About 8,315 people live in Quincy, which ranks 103rd of 281 Census places in Washington. The table below carries the Washington rate caps and licensing rules that apply to a personal loan taken out here.

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

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Quincy at a glance

  • Population: 8,315, the 103rd-largest community in Washington out of 281 (US Census Bureau, Vintage 2023).
  • 2020 Census base: 7,544 residents at the 2020 Census (US Census Bureau, 2020 count).
  • 2020 to 2023 change: roughly 10.2% higher than at the 2020 Census (US Census Bureau).
  • Rank among Washington places: 103rd out of 281 Census places (US Census Bureau).
  • Size percentile: about 63% of places in Washington are smaller (US Census Bureau).
  • Coordinates: 47.2359, -119.8491 (US Census Bureau Gazetteer).
  • Nearest larger cities (within 120 miles): Ephrata, WA (16 mi); East Wenatchee, WA (24 mi); Wenatchee, WA (26 mi); Moses Lake, WA (28 mi); Ellensburg, WA (37 mi) (US Census Bureau populations).
  • Smaller places close by: George, WA (11 mi); Rock Island, WA (17 mi); Soap Lake, WA (20 mi) (US Census Bureau).

What a personal loan costs in Quincy

A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.

The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.

A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.

A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.

Washington lending rules that apply in Quincy

Read the table as the compliance picture for a lender serving Quincy: label, sourced figure, publisher and date.

RuleDetailSource
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
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

How to compare offers in Quincy

Here is a short checklist for comparing personal loans in Quincy:

  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 Quincy?
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 Quincy are the same as elsewhere in Washington.
How much can I borrow with a personal loan in Quincy?
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 Quincy 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 Quincy 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

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