Notus at a glance
- Population: the Census estimates 604 residents, ranking 114th of 197 places in Idaho (Vintage 2023).
- 2020 Census base: the 2020 count put the population at 609 (US Census Bureau).
- 2020 to 2023 change: a loss of about 0.8% since the 2020 count (US Census Bureau).
- Rank among Idaho places: the 114th-largest of 197 (US Census Bureau, 2023 estimate).
- Size percentile: about 42% of Idaho's Census places are smaller (US Census Bureau).
- Coordinates: 43.7269 latitude, -116.8004 longitude (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Greenleaf, ID (4 mi); Wilder, ID (6 mi); Parma, ID (8 mi); Caldwell, ID (9 mi); Middleton, ID (9 mi) (US Census Bureau).
- Smaller places nearby: Adrian, OR (14 mi); Melba, ID (28 mi); Placerville, ID (45 mi), per US Census Bureau estimates.
What a personal loan costs in Notus
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
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.
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 Notus
The table carries the Idaho rate and licensing rules that apply to consumer loans made in Notus.
| 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 Notus
Here is a short checklist for comparing personal loans in Notus:
- 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.