Coeur d'Alene at a glance
- Population: about 56,894, 7th by size in Idaho of 197 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 54,642 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a gain of roughly 4.1% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Idaho places: 7th out of 197 Census places (US Census Bureau).
- Size percentile: roughly 96% of places in Idaho rank below it by population (US Census Bureau).
- Coordinates: it sits at 47.7029, -116.7958 in the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Spokane Valley, WA (21 mi); Spokane, WA (30 mi) (US Census Bureau).
- Nearest smaller towns: Dalton Gardens, ID (2 mi); Huetter, ID (3 mi); Fernan Lake Village, ID (3 mi) (US Census Bureau).
What a personal loan costs in Coeur d'Alene
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.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Idaho lending rules that apply in Coeur d'Alene
The table carries the Idaho rate and licensing rules that apply to consumer loans made in Coeur d'Alene.
| Rule | Detail | Source |
|---|---|---|
| Maximum legal interest rate (usury cap) | 12% per annum legal rate (when no written contract fixes a different rate) Source says: "interest is allowed at the rate of twelve cents (12¢) on the hundred by the year". | Idaho State Legislature as of 2026-09-16 |
| Payday lending status | Permitted under license (payday loan license required) Source says: "No person shall engage in the business of payday loans ... without having first obtained a license under this chapter". | Idaho State Legislature as of 2026-09-16 |
| Small-loan / installment lender licensing | Regulated Lenders License required (regulated consumer loans) Source says: "unless a person is exempt ... he shall not engage in the business of: (a) Making regulated consumer loans". | Idaho State Legislature as of 2026-09-16 |
| State lending regulator | Idaho Department of Finance (IDOF) Source says: "Safeguarding the financial health of Idahoans through the appropriate oversight of diverse financial institutions, the education and protection of consumers". | Idaho Department of Finance as of 2026-09-16 |
| Idaho Credit Code finance-charge rule | No statutory maximum finance-charge rate — rate as agreed by the parties (Idaho Credit Code) Source says: "the rate of finance charge shall be that which is agreed upon between the parties to the transaction". | Idaho State Legislature as of 2026-09-16 |
How to compare offers in Coeur d'Alene
Before you commit to a personal loan in Coeur d'Alene, work through these steps:
- 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 Idaho using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.