Spangle at a glance
- Population: about 278, 259th by size in Washington of 281 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 280 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: down about 0.7% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Washington places: 259th out of 281 Census places (US Census Bureau).
- Size percentile: roughly 8% of Washington's places have fewer residents (US Census Bureau).
- Coordinates: 47.4299, -117.3812 (US Census Bureau Gazetteer).
- Nearest larger cities: Fairfield, WA (10 mi); Cheney, WA (10 mi); Rockford, WA (12 mi); Rosalia, WA (13 mi); Spokane, WA (17 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Waverly, WA (9 mi); Malden, WA (14 mi); Latah, WA (15 mi) (US Census Bureau).
What a personal loan costs in Spangle
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
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.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Spangle
The table lists the Washington rules that apply to a loan made in Spangle, each with the regulator that published it.
| 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 Spangle
Before you share your details with a lender in Spangle:
- 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.