Pinehurst at a glance
- Population: about 1,780 residents, ranking 67th of 197 Census places in Idaho (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 1,679 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 6.0% growth over the 2020 Census base (US Census Bureau).
- Rank among Idaho places: 67th largest of 197 (US Census Bureau).
- Size percentile: ahead of around 66% of Idaho places in population terms (US Census Bureau).
- Coordinates: 47.5363, -116.2317 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Kellogg, ID (5 mi); St. Maries, ID (22 mi); Dalton Gardens, ID (28 mi); Coeur d'Alene, ID (29 mi); Hayden, ID (31 mi) (US Census Bureau).
- Smaller places nearby: Smelterville, ID (3 mi); Wardner, ID (5 mi); Osburn, ID (11 mi), per US Census Bureau estimates.
What a personal loan costs in Pinehurst
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Idaho lending rules that apply in Pinehurst
The table lists the Idaho rules that apply to a loan made in Pinehurst, 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 Pinehurst
These steps are the ones that most affect the offer you receive in Pinehurst:
- 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.