Leadore at a glance
- Population: a Census-estimated 100, placing it 186th among Idaho's 197 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 95 residents here (US Census Bureau).
- 2020 to 2023 change: about 5.3% more residents than the 2020 Census base (US Census Bureau).
- Rank among Idaho places: 186th in population of 197 places (US Census Bureau).
- Size percentile: ahead of around 6% of Idaho places in population terms (US Census Bureau).
- Coordinates: 44.6800 / -113.3592, per the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Lima, MT (38 mi); Salmon, ID (43 mi); Challis, ID (44 mi); Dillon, MT (51 mi); Mackay, ID (55 mi) (US Census Bureau).
- Nearest smaller towns: Clayton, ID (58 mi); Spencer, ID (62 mi); Butte City, ID (74 mi) — US Census Bureau populations.
What a personal loan costs in Leadore
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.
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.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Leadore
Each row below is a Idaho rule with its publisher and the date it was retrieved.
| 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 Leadore
Run through this list before signing anything in Leadore:
- 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.