Sunnyside at a glance
- Population: roughly 16,264 people; 67th of 281 places in Washington (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 16,387 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: a loss of about 0.8% since the 2020 count (US Census Bureau).
- Rank among Washington places: 67th in population of 281 places (US Census Bureau).
- Size percentile: about 76% of Washington's Census places are smaller (US Census Bureau).
- Coordinates: 46.3157, -120.0058 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: West Richland, WA (29 mi); Yakima, WA (32 mi); Richland, WA (34 mi); Kennewick, WA (40 mi); Pasco, WA (42 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Grandview, WA (7 mi); Mabton, WA (7 mi); Granger, WA (9 mi) (US Census Bureau).
What a personal loan costs in Sunnyside
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.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Sunnyside
The Washington rate caps and licensing rules that reach Sunnyside are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Sunnyside
These steps are the ones that most affect the offer you receive in Sunnyside:
- 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.