Paris at a glance
- Population: about 549 residents, ranking 121st of 197 Census places in Idaho (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 542 residents here (US Census Bureau).
- 2020 to 2023 change: up about 1.3% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Idaho places: 121st in population of 197 places (US Census Bureau).
- Size percentile: roughly 39% of Idaho's places have fewer residents (US Census Bureau).
- Coordinates: 42.2280, -111.4024 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Montpelier, ID (9 mi); Garden City, UT (20 mi); Franklin, ID (25 mi); Preston, ID (26 mi); Grace, ID (29 mi); US Census Bureau population estimates.
- Nearest smaller towns: Bloomington, ID (3 mi); St. Charles, ID (8 mi); Georgetown, ID (17 mi) — US Census Bureau populations.
What a personal loan costs in Paris
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
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.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Idaho lending rules that apply in Paris
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 Paris
The order below is a sensible way to approach a loan in Paris:
- 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.