Osburn at a glance
- Population: 1,659 people, the 72nd-largest place among Idaho's 197 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,570 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: up about 5.7% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Idaho places: 72nd-largest of 197 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it exceeds roughly 63% of Idaho's Census places by population (US Census Bureau).
- Coordinates: 47.5057 / -116.0007, per the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Kellogg, ID (6 mi); Pinehurst, ID (11 mi); St. Maries, ID (30 mi); Dalton Gardens, ID (39 mi); Coeur d'Alene, ID (39 mi) (US Census Bureau).
- Nearest smaller communities: Wallace, ID (4 mi); Wardner, ID (6 mi); Smelterville, ID (9 mi), each a US Census place.
What a personal loan costs in Osburn
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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 term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Idaho lending rules that apply in Osburn
Each row below is a Idaho rule with its publisher and the date it was retrieved.
| 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 Osburn
Before you commit to a personal loan in Osburn, work through these steps:
- 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.