Orofino at a glance
- Population: 3,313 — 45th in Idaho, which has 197 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 3,227 (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 2.7% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Idaho places: 45th of the state's 197 Census places (US Census Bureau).
- Size percentile: about 77% of Idaho's Census places are smaller (US Census Bureau).
- Coordinates: latitude 46.4849, longitude -116.2530 (US Census Bureau Gazetteer).
- Nearest larger cities: Lewiston, ID (36 mi); Clarkston, WA (38 mi); Grangeville, ID (39 mi); Moscow, ID (39 mi); Pullman, WA (47 mi); each population is a US Census Bureau estimate.
- Nearest smaller places: Peck, ID (8 mi); Weippe, ID (17 mi); Nezperce, ID (17 mi) (US Census Bureau estimates).
What a personal loan costs in Orofino
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 Orofino
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Orofino
These steps are the ones that most affect the offer you receive in Orofino:
- 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.