White Bird at a glance
- Population: the Census estimates 88 residents, ranking 189th of 197 places in Idaho (Vintage 2023).
- 2020 Census base: 82 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: an increase of about 7.3% since the 2020 count (US Census Bureau).
- Rank among Idaho places: 189th in population of 197 places (US Census Bureau).
- Size percentile: it exceeds roughly 4% of Idaho's Census places by population (US Census Bureau).
- Coordinates: latitude 45.7627, longitude -116.3004 (US Census Bureau Gazetteer).
- Nearest larger cities: Grangeville, ID (14 mi); Cottonwood, ID (20 mi); Riggins, ID (24 mi); Ferdinand, ID (27 mi); Stites, ID (28 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Reubens, ID (40 mi) (US Census Bureau).
What a personal loan costs in White Bird
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment 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 White Bird
The Idaho rate caps and licensing rules that reach White Bird are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in White Bird
A few practical steps will make the process in White Bird less costly:
- 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.