Stites at a glance
- Population: roughly 190 people; 172nd of 197 places in Idaho (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 175 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: population rose about 8.6% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Idaho places: 172nd out of 197 Census places (US Census Bureau).
- Size percentile: it is larger than about 13% of the places in Idaho (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 46.0925, -115.9760.
- Nearest larger cities (within 120 miles): Kooskia, ID (3 mi); Kamiah, ID (10 mi); Grangeville, ID (13 mi); Nezperce, ID (16 mi); Cottonwood, ID (18 mi) (US Census Bureau populations).
- Smaller places nearby: Ferdinand, ID (20 mi); White Bird, ID (28 mi); Reubens, ID (31 mi), per US Census Bureau estimates.
What a personal loan costs in Stites
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Idaho lending rules that apply in Stites
The table lists the Idaho rules that apply to a loan made in Stites, 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 Stites
The order below is a sensible way to approach a loan in Stites:
- 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.