Stanley at a glance
- Population: 119 residents, the 183rd-largest of 197 places in Idaho (US Census Bureau, Vintage 2023).
- 2020 Census base: 118 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 0.8% more residents than the 2020 Census base (US Census Bureau).
- Rank among Idaho places: 183rd of the state's 197 Census places (US Census Bureau).
- Size percentile: roughly 7% of Idaho's places have fewer residents (US Census Bureau).
- Coordinates: mapped at 44.2118, -114.9341 by the US Census Bureau Gazetteer.
- Nearest larger cities: Challis, ID (40 mi); Ketchum, ID (46 mi); Sun Valley, ID (47 mi); Idaho City, ID (52 mi); Crouch, ID (52 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Clayton, ID (27 mi); Placerville, ID (54 mi); Leadore, ID (84 mi) — US Census Bureau populations.
What a personal loan costs in Stanley
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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 Stanley
The table lists the Idaho rules that apply to a loan made in Stanley, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Stanley
These steps are the ones that most affect the offer you receive in Stanley:
- 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.