Potlatch at a glance
- Population: 792 — 103rd in Idaho, which has 197 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 768 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: an increase of about 3.1% since the 2020 count (US Census Bureau).
- Rank among Idaho places: 103rd of 197 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 48% of places in Idaho rank below it by population (US Census Bureau).
- Coordinates: 46.9230, -116.8983 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Palouse, WA (8 mi); Troy, ID (14 mi); Moscow, ID (14 mi); Pullman, WA (18 mi); Colfax, WA (19 mi); US Census Bureau population estimates.
- Nearest smaller communities: Onaway, ID (1 mi); Garfield, WA (13 mi); Farmington, WA (13 mi) (Census populations).
What a personal loan costs in Potlatch
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Potlatch
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 Potlatch
The order below is a sensible way to approach a loan in Potlatch:
- 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.