Peck at a glance
- Population: 171 residents, the 177th-largest of 197 places in Idaho (US Census Bureau, Vintage 2023).
- 2020 Census base: 165 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: up about 3.6% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Idaho places: the 177th-largest of 197 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 10% of places in Idaho rank below it by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 46.4747, -116.4262.
- Nearest larger cities: Orofino, ID (8 mi); Culdesac, ID (14 mi); Kendrick, ID (15 mi); Juliaetta, ID (15 mi); Craigmont, ID (16 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Reubens, ID (12 mi); Ferdinand, ID (22 mi); Elk River, ID (24 mi) — US Census Bureau populations.
What a personal loan costs in Peck
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Idaho lending rules that apply in Peck
The table lists the Idaho rules that apply to a loan made in Peck, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Peck
A few practical steps will make the process in Peck less costly:
- 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.