Pierce at a glance
- Population: a Census-estimated 523, placing it 126th among Idaho's 197 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 466 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: up about 12.2% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Idaho places: 126th in population of 197 places (US Census Bureau).
- Size percentile: it exceeds roughly 36% of Idaho's Census places by population (US Census Bureau).
- Coordinates: latitude 46.4953, longitude -115.8033 (US Census Bureau Gazetteer).
- Nearest larger cities: Orofino, ID (21 mi); Kamiah, ID (21 mi); Kooskia, ID (26 mi); Cottonwood, ID (40 mi); Grangeville, ID (42 mi); each population is a US Census Bureau estimate.
- Smaller towns nearby: Weippe, ID (10 mi); Elk River, ID (27 mi); Nezperce, ID (27 mi) (US Census Bureau).
What a personal loan costs in Pierce
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
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.
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 Pierce
The Idaho rate caps and licensing rules that reach Pierce are listed below, each with its source and retrieval date.
| 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 Pierce
The order below is a sensible way to approach a loan in Pierce:
- 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.