Bovill at a glance
- Population: 198 — 170th in Idaho, which has 197 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 191 (US Census Bureau).
- 2020 to 2023 change: roughly 3.7% higher than at the 2020 Census (US Census Bureau).
- Rank among Idaho places: 170th out of 197 Census places (US Census Bureau).
- Size percentile: about 14% of Idaho's Census places are smaller (US Census Bureau).
- Coordinates: 46.8587, -116.3936 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Deary, ID (9 mi); Troy, ID (20 mi); Kendrick, ID (21 mi); Onaway, ID (24 mi); Potlatch, ID (24 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Elk River, ID (11 mi); Peck, ID (27 mi); Tensed, ID (33 mi) (Census populations).
What a personal loan costs in Bovill
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.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 Bovill
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Bovill
Here is a short checklist for comparing personal loans in Bovill:
- 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.