State Line at a glance
- Population: 37 people, the 194th-largest place among Idaho's 197 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 36 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: up about 2.8% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Idaho places: 194th by size among 197 communities (US Census Bureau).
- Size percentile: about 2% of Idaho's Census places are smaller (US Census Bureau).
- Coordinates: it sits at 47.7053, -117.0366 in the US Census Bureau Gazetteer.
- Nearest larger cities: Liberty Lake, WA (4 mi); Hauser, ID (4 mi); Post Falls, ID (5 mi); Huetter, ID (9 mi); Rathdrum, ID (9 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: no smaller Census place lies within 120 miles.
What a personal loan costs in State Line
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Idaho lending rules that apply in State Line
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 State Line
Before you share your details with a lender in State Line:
- 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.