Dover at a glance
- Population: the Census estimates 1,091 residents, ranking 82nd of 197 places in Idaho (Vintage 2023).
- 2020 Census base: the 2020 count put the population at 754 (US Census Bureau).
- 2020 to 2023 change: population rose about 44.7% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Idaho places: the 82nd-largest of 197 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 58% of Idaho places in population terms (US Census Bureau).
- Coordinates: 48.2592, -116.6098 (US Census Bureau Gazetteer).
- Nearest larger cities: Sandpoint, ID (3 mi); Ponderay, ID (5 mi); Priest River, ID (15 mi); Newport, WA (21 mi); Spirit Lake, ID (24 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Kootenai, ID (6 mi); Hope, ID (14 mi); East Hope, ID (15 mi), each a US Census place.
What a personal loan costs in Dover
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
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.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Idaho lending rules that apply in Dover
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Dover
These steps are the ones that most affect the offer you receive in Dover:
- 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.