Moore at a glance
- Population: 176 — 176th in Idaho, which has 197 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 163 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: up about 8.0% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Idaho places: 176th-largest of 197 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 11% of places in Idaho rank below it by population (US Census Bureau).
- Coordinates: 43.7344, -113.3673 (US Census Bureau Gazetteer).
- Nearest larger cities: Arco, ID (8 mi); Mackay, ID (17 mi); Carey, ID (41 mi); Mud Lake, ID (45 mi); Bellevue, ID (48 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Butte City, ID (11 mi); Clayton, ID (62 mi); Leadore, ID (65 mi) (US Census Bureau).
What a personal loan costs in Moore
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Idaho lending rules that apply in Moore
The sourced rows below are the rules a licensed lender must follow when lending in Idaho, and therefore in Moore.
| 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 Moore
Before you share your details with a lender in Moore:
- 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.