Kooskia at a glance
- Population: 556 (US Census Bureau, Vintage 2023 subcounty estimate), the 119th-largest of 197 places in Idaho.
- 2020 Census base: 512 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 8.6% growth over the 2020 Census base (US Census Bureau).
- Rank among Idaho places: 119th-largest of 197 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: ahead of around 40% of Idaho places in population terms (US Census Bureau).
- Coordinates: latitude 46.1417, longitude -115.9736 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Kamiah, ID (6 mi); Grangeville, ID (17 mi); Cottonwood, ID (19 mi); Orofino, ID (27 mi); Lapwai, ID (44 mi) (US Census Bureau populations).
- Nearest smaller places: Stites, ID (3 mi); Nezperce, ID (14 mi); Weippe, ID (16 mi) (US Census Bureau estimates).
What a personal loan costs in Kooskia
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Idaho lending rules that apply in Kooskia
Each row below is a Idaho rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Kooskia
Run through this list before signing anything in Kooskia:
- 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.