Harrison at a glance
- Population: 225, the 165th-largest community in Idaho out of 197 (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 231 residents here (US Census Bureau).
- 2020 to 2023 change: a loss of about 2.6% since the 2020 count (US Census Bureau).
- Rank among Idaho places: the 165th-largest of 197 (US Census Bureau, 2023 estimate).
- Size percentile: about 16% of Idaho's Census places are smaller (US Census Bureau).
- Coordinates: latitude 47.4695, longitude -116.8086 (US Census Bureau Gazetteer).
- Nearest larger cities: Worley, ID (7 mi); Plummer, ID (10 mi); Rockford, WA (15 mi); St. Maries, ID (15 mi); Coeur d'Alene, ID (16 mi) — straight-line distances, US Census Bureau populations.
- Smaller towns nearby: Fernan Lake Village, ID (14 mi); Huetter, ID (16 mi); State Line, ID (19 mi) (US Census Bureau).
What a personal loan costs in Harrison
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Harrison
The Idaho rate caps and licensing rules that reach Harrison are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Harrison
Here is a short checklist for comparing personal loans in Harrison:
- 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.