Starbuck at a glance
- Population: 137 — 276th in Washington, which has 281 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 120 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 14.2% higher than at the 2020 Census (US Census Bureau).
- Rank among Washington places: 276th largest of 281 (US Census Bureau).
- Size percentile: about 2% of Washington's Census places are smaller (US Census Bureau).
- Coordinates: 46.5216, -118.1289 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Dayton, WA (16 mi); Waitsburg, WA (17 mi); Prescott, WA (18 mi); Washtucna, WA (18 mi); LaCrosse, WA (21 mi) (US Census Bureau).
- Smaller towns nearby: Hatton, WA (37 mi); Lamont, WA (48 mi); Farmington, WA (64 mi) (US Census Bureau).
What a personal loan costs in Starbuck
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 longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Washington lending rules that apply in Starbuck
The Washington rate caps and licensing rules that reach Starbuck are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Starbuck
The order below is a sensible way to approach a loan in Starbuck:
- 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.