Nezperce at a glance
- Population: about 482 residents, ranking 131st of 197 Census places in Idaho (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 458 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a gain of roughly 5.2% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Idaho places: 131st of the state's 197 Census places (US Census Bureau).
- Size percentile: roughly 34% of Idaho's places have fewer residents (US Census Bureau).
- Coordinates: 46.2366, -116.2398 (US Census Bureau Gazetteer).
- Nearest larger cities: Kamiah, ID (10 mi); Cottonwood, ID (14 mi); Kooskia, ID (14 mi); Orofino, ID (17 mi); Grangeville, ID (22 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Ferdinand, ID (9 mi); Reubens, ID (16 mi); Stites, ID (16 mi) (Census populations).
What a personal loan costs in Nezperce
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Nezperce
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Nezperce
These steps are the ones that most affect the offer you receive in Nezperce:
- 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.