St. Maries at a glance
- Population: 2,473 (US Census Bureau, Vintage 2023 subcounty estimate), the 57th-largest of 197 places in Idaho.
- 2020 Census base: the 2020 Census recorded 2,358 residents here (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 4.9% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Idaho places: 57th of the state's 197 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 71% of Idaho's Census places by population (US Census Bureau).
- Coordinates: mapped at 47.3146, -116.5722 by the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Coeur d'Alene, ID (29 mi); Dalton Gardens, ID (30 mi); Hayden, ID (33 mi); Post Falls, ID (33 mi); Liberty Lake, WA (35 mi) (US Census Bureau).
- Nearest smaller towns: Plummer, ID (15 mi); Harrison, ID (15 mi); Worley, ID (17 mi) — US Census Bureau populations.
What a personal loan costs in St. Maries
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 St. Maries
Read the table as the compliance picture for a lender serving St. Maries: label, sourced figure, publisher and date.
| 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 St. Maries
The order below is a sensible way to approach a loan in St. Maries:
- 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.