Fruitland at a glance
- Population: 6,879 people, the 30th-largest place among Idaho's 197 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 6,072 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 13.3% more residents than the 2020 Census base (US Census Bureau).
- Rank among Idaho places: 30th largest of 197 (US Census Bureau).
- Size percentile: about 85% of places in Idaho are smaller (US Census Bureau).
- Coordinates: 44.0168, -116.9207 (US Census Bureau Gazetteer).
- Nearest larger cities: Ontario, OR (3 mi); Payette, ID (4 mi); Emmett, ID (24 mi); Middleton, ID (26 mi); Caldwell, ID (29 mi), each a US Census place with its estimated population.
- Nearest smaller communities: New Plymouth, ID (6 mi); Nyssa, OR (10 mi); Parma, ID (16 mi), each a US Census place.
What a personal loan costs in Fruitland
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.
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.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Idaho lending rules that apply in Fruitland
The sourced rows below are the rules a licensed lender must follow when lending in Idaho, and therefore in Fruitland.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Fruitland
These steps are the ones that most affect the offer you receive in Fruitland:
- 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.