Deary at a glance
- Population: 523, the 125th-largest community in Idaho out of 197 (US Census Bureau, Vintage 2023).
- 2020 Census base: 504 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 3.8% growth over the 2020 Census base (US Census Bureau).
- Rank among Idaho places: 125th-largest of 197 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 37% of Idaho's places have fewer residents (US Census Bureau).
- Coordinates: it sits at 46.8006, -116.5574 in the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Troy, ID (11 mi); Juliaetta, ID (17 mi); Potlatch, ID (18 mi); Moscow, ID (21 mi); Genesee, ID (25 mi) (US Census Bureau).
- Nearest smaller communities: Bovill, ID (9 mi); Kendrick, ID (14 mi); Elk River, ID (18 mi), each a US Census place.
What a personal loan costs in Deary
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Idaho lending rules that apply in Deary
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Deary
Here is a short checklist for comparing personal loans in Deary:
- 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.