Donnelly at a glance
- Population: the Census estimates 256 residents, ranking 159th of 197 places in Idaho (Vintage 2023).
- 2020 Census base: 248 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: an increase of about 3.2% since the 2020 count (US Census Bureau).
- Rank among Idaho places: 159th of 197 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 19% of places in Idaho rank below it by population (US Census Bureau).
- Coordinates: 44.7334 latitude, -116.0868 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: McCall, ID (12 mi); Cascade, ID (16 mi); Council, ID (17 mi); New Meadows, ID (19 mi); Cambridge, ID (31 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: Midvale, ID (37 mi); Crouch, ID (43 mi); Richland, OR (53 mi) (US Census Bureau estimates).
What a personal loan costs in Donnelly
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Donnelly
The Idaho rate caps and licensing rules that reach Donnelly are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Donnelly
Here is a short checklist for comparing personal loans in Donnelly:
- 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.