Kamiah at a glance
- Population: roughly 1,186 people; 78th of 197 places in Idaho (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 1,118 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: a gain of roughly 6.1% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Idaho places: 78th of the state's 197 Census places (US Census Bureau).
- Size percentile: about 60% of Idaho's Census places are smaller (US Census Bureau).
- Coordinates: 46.2268, -116.0283 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Orofino, ID (21 mi); Grangeville, ID (21 mi); Lapwai, ID (39 mi); Lewiston, ID (47 mi); Asotin, WA (49 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller places: Kooskia, ID (6 mi); Stites, ID (10 mi); Nezperce, ID (10 mi) (US Census Bureau estimates).
What a personal loan costs in Kamiah
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.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Idaho lending rules that apply in Kamiah
The sourced rows below are the rules a licensed lender must follow when lending in Idaho, and therefore in Kamiah.
| 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 Kamiah
A few practical steps will make the process in Kamiah less costly:
- 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.