Plummer at a glance
- Population: about 1,113, 80th by size in Idaho of 197 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 1,015 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: a gain of roughly 9.7% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Idaho places: 80th of the state's 197 Census places (US Census Bureau).
- Size percentile: roughly 59% of Idaho's places have fewer residents (US Census Bureau).
- Coordinates: latitude 47.3301, longitude -116.8849 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: St. Maries, ID (15 mi); Liberty Lake, WA (26 mi); Coeur d'Alene, ID (26 mi); Post Falls, ID (27 mi); Spokane Valley, WA (28 mi) (US Census Bureau).
- Nearest smaller towns: Worley, ID (5 mi); Harrison, ID (10 mi); Tekoa, WA (11 mi) (US Census Bureau).
What a personal loan costs in Plummer
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Idaho lending rules that apply in Plummer
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Plummer
These steps are the ones that most affect the offer you receive in Plummer:
- 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.