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Personal loans in Mullan, ID

A personal loan in Mullan is an unsecured installment loan for consolidation or a planned expense, and what it costs follows your credit, income and debts. Mullan's Census population of roughly 677 makes it the 110th-largest of 197 places in Idaho. The sourced table below shows the Idaho rate caps and licensing requirements that reach every loan made here.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Mullan at a glance

  • Population: the Census estimates 677 residents, ranking 110th of 197 places in Idaho (Vintage 2023).
  • 2020 Census base: 645 people counted in the 2020 Census (US Census Bureau).
  • 2020 to 2023 change: about 5.0% growth over the 2020 Census base (US Census Bureau).
  • Rank among Idaho places: 110th by size among 197 communities (US Census Bureau).
  • Size percentile: larger than about 44% of the Census places in Idaho (US Census Bureau).
  • Coordinates: 47.4688, -115.7964 (US Census Bureau Gazetteer).
  • Nearest larger cities: Wallace, ID (6 mi); Osburn, ID (10 mi); Kellogg, ID (16 mi); Smelterville, ID (19 mi); Pinehurst, ID (21 mi), each a US Census place with its estimated population.
  • Smaller towns nearby: Wardner, ID (16 mi); Fernan Lake Village, ID (47 mi); Harrison, ID (47 mi) (US Census Bureau).

What a personal loan costs in Mullan

The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.

The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.

A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.

Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.

Idaho lending rules that apply in Mullan

Where a figure is not published by the state, the row points to the source instead of guessing.

RuleDetailSource
Small-loan / installment lender licensingRegulated 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 regulatorIdaho 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 ruleNo 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 statusPermitted 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

How to compare offers in Mullan

The order below is a sensible way to approach a loan in Mullan:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Idaho using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Mullan?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Mullan are the same as elsewhere in Idaho.
How much can I borrow with a personal loan in Mullan?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Mullan require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Mullan hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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