Grangeville at a glance
- Population: 3,617 (US Census Bureau, Vintage 2023 subcounty estimate), the 43rd-largest of 197 places in Idaho.
- 2020 Census base: 3,319 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 9.0% growth over the 2020 Census base (US Census Bureau).
- Rank among Idaho places: 43rd of 197 by population (US Census Bureau, Vintage 2023).
- Size percentile: it is larger than about 78% of the places in Idaho (US Census Bureau).
- Coordinates: latitude 45.9258, longitude -116.1219 (US Census Bureau Gazetteer).
- Nearest larger cities: Lewiston, ID (53 mi); Clarkston, WA (56 mi); Moscow, ID (70 mi); McCall, ID (70 mi); Pullman, WA (75 mi); US Census Bureau population estimates.
- Nearest smaller towns: Stites, ID (13 mi); Cottonwood, ID (14 mi); White Bird, ID (14 mi) (US Census Bureau).
What a personal loan costs in Grangeville
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Idaho lending rules that apply in Grangeville
The table lists the Idaho rules that apply to a loan made in Grangeville, each with the regulator that published it.
| 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 Grangeville
Before you share your details with a lender in Grangeville:
- 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.