Personal loans in Kenmore, WA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Kenmore, WA.
The median household in Kenmore earns $139,764 a year, 42% above the Washington median of $98,141. About 6% of residents live below the federal poverty line, and 30.7% of households rent their home.
Washington law that applies in Kenmore
| Rate cap | A licensee may lend at a rate of no more than 25% a year, computed by the simple interest method. |
|---|---|
| License required | Yes. |
Full rules with statute citations: Personal Loans in Washington. Cities in Washington cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Kenmore
Most Kenmore applicants can finish in one sitting if they have these ready:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Kenmore
What Kenmore borrowers use it for
deposits, trucks and first-week expenses
Need money nowthe fastest options online
Emergencieshandle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
How to get a personal loan in Kenmore
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Kenmore
5 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Bank of America, National Association | 1 | 7110 Ne Bothell Way, Kenmore 98028 |
| U.S. Bank National Association | 1 | 6460 Ne Bothell Way, Kenmore 98028 |
| JPMorgan Chase Bank, National Association | 1 | 6701 Ne 181st St, Kenmore 98028 |
| KeyBank National Association | 1 | 7830 Ne Bothell Way, Kenmore 98028 |
| Wells Fargo Bank, National Association | 1 | 6830 Ne Bothell Way, Kenmore 98028 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in King County
125 credit-union locations from 30 credit unions.
| Credit union | Location |
|---|---|
| First Technology | 8862 161St Ave Ne Ste 108, Redmond 98052 |
| Credit Human | 33820 Weyerhaeuser Way S Ste 110, Federal Way 98001 |
| Waterfront | 6419 Fauntleroy Way Sw, Seattle 98136 |
| Boeing Employees | 12770 Gateway Dr S, Tukwila 98168 |
| Global | 207 W Kent Station St Ste 106, Kent 98032 |
| Washington State Employees | 1121 Ne 45Th St, Seattle 98105 |
| Gesa | 10020 Ne 137Th St, Kirkland 98034 |
| Nuvision | 19802 62Nd Ave S, Kent 98032 |
| Sound | 1202 Outlet Collection Way Sw Ste 107, Auburn 98001 |
| Kitsap | 701 5Th Ave, Seattle 98104 |
| Operating Engineers Local Union #3 | 721 M St Ne Ste 105, Auburn 98002 |
| Harborstone | 1011 Ne High St Ste 101, Issaquah 98029 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: King County · Payday Loans in Kenmore
Frequently asked questions
Can I get a personal loan with bad credit in Kenmore?
Possibly. Lenders in our network consider applicants with fair and bad credit across Washington, including Kenmore. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Kenmore, WA?
25% simple annual interest cap plus up to 4% origination fee (Consumer Loan Act).
How fast can I get a personal loan in Kenmore?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
What is an installment loan?
An installment loan is money you borrow and repay in fixed, scheduled payments, usually every two weeks or monthly, until it's paid off. Personal loans, auto loans and many short-term loans are installment loans. Because repayment is spread out, each payment is smaller than a lump sum. Lenders in our network offer installment loans from $100 to $5,000 to Kenmore borrowers who qualify.
Are personal loans bad for your credit?
Not necessarily. Checking offers often uses a soft inquiry that doesn't affect your score, though a lender may do a hard pull before final approval. Once you have the loan, on-time payments can help build your credit history, especially with lenders that report to the major bureaus, while missed payments can lower your score. Kenmore residents can see their options in about 3 minutes.
What credit score do I need for a personal loan?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Kenmore with our free 3-minute form.
How do installment loans work in Kenmore?
You apply, the lender reviews your income and credit profile, and if you're approved you receive a lump sum deposited into your bank account. You then repay it in equal scheduled payments over an agreed term, with interest built in. Your agreement shows each payment amount and date before you sign. Kenmore residents can see installment loan offers with our free 3-minute form.
Can I get a personal loan in Kenmore with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Kenmore residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Do I need to visit a store in Kenmore?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.