Worley at a glance
- Population: 249 (US Census Bureau, Vintage 2023 subcounty estimate), the 161st-largest of 197 places in Idaho.
- 2020 Census base: 254 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a loss of about 2.0% since the 2020 count (US Census Bureau).
- Rank among Idaho places: 161st in population of 197 places (US Census Bureau).
- Size percentile: roughly 18% of Idaho's places have fewer residents (US Census Bureau).
- Coordinates: 47.4005 / -116.9193, per the US Census Bureau Gazetteer.
- Nearest larger cities: Plummer, ID (5 mi); Rockford, WA (10 mi); Fairfield, WA (12 mi); Tekoa, WA (14 mi); St. Maries, ID (17 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Harrison, ID (7 mi); Latah, WA (14 mi); Waverly, WA (15 mi) (US Census Bureau).
What a personal loan costs in Worley
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
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.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Worley
The sourced rows below are the rules a licensed lender must follow when lending in Idaho, and therefore in Worley.
| 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 Worley
Before you share your details with a lender in Worley:
- 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.