Placerville at a glance
- Population: 48 people, the 191st-largest place among Idaho's 197 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 46 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: up roughly 4.3% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Idaho places: the 191st-largest of 197 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 3% of places in Idaho rank below it by population (US Census Bureau).
- Coordinates: it sits at 43.9427, -115.9460 in the US Census Bureau Gazetteer.
- Nearest larger cities: Idaho City, ID (10 mi); Crouch, ID (12 mi); Horseshoe Bend, ID (13 mi); Garden City, ID (26 mi); Eagle, ID (26 mi); US Census Bureau population estimates.
- Nearest smaller communities: Clayton, ID (81 mi); Unity, OR (116 mi) (Census populations).
What a personal loan costs in Placerville
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Idaho lending rules that apply in Placerville
The table carries the Idaho rate and licensing rules that apply to consumer loans made in Placerville.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Placerville
The steps below are worth completing first when you borrow in Placerville:
- 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.