Sedro-Woolley at a glance
- Population: a Census-estimated 12,940, placing it 76th among Washington's 281 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 12,434 residents here (US Census Bureau).
- 2020 to 2023 change: population rose about 4.1% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Washington places: 76th out of 281 Census places (US Census Bureau).
- Size percentile: about 73% of Washington's Census places are smaller (US Census Bureau).
- Coordinates: mapped at 48.5114, -122.2321 by the US Census Bureau Gazetteer.
- Nearest larger cities: Mount Vernon, WA (7 mi); Anacortes, WA (18 mi); Bellingham, WA (20 mi); Oak Harbor, WA (24 mi); Arlington, WA (24 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Burlington, WA (5 mi); Lyman, WA (8 mi); Hamilton, WA (11 mi) (US Census Bureau).
What a personal loan costs in Sedro-Woolley
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
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.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Washington lending rules that apply in Sedro-Woolley
The sourced rows below are the rules a licensed lender must follow when lending in Washington, and therefore in Sedro-Woolley.
| 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 Sedro-Woolley
Run through this list before signing anything in Sedro-Woolley:
- 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.