Personal loans in Dubois, ID

If you are weighing a personal loan in Dubois, start from the payment you can carry; its 522 residents face the same statewide rules. From the 2020 Census base to the 2023 estimate, the population rose by about 1.6%.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

About 522 people live in Dubois, placing it 127th of 197 Census places in Idaho. Verify the lender's Idaho licence against the regulator named below before borrowing in Dubois. Lenders active in Dubois report to a Idaho supervisor, identified in the sourced rows below. A larger market lies at St. Anthony, ID about 30 miles away.

Dubois by the numbers

Set out below is Dubois's local context next to the state-level rules that reach every lender here.

Land, water and location for Dubois

Dubois covers about 2.7 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 191 people per square mile. The state's population centre of gravity, Boise City, is roughly 203 miles away. Counting outward 50 miles, 13 larger communities surround Dubois. The 100-mile radius contains 29 larger places.

Which Idaho laws govern a loan in Dubois

These are Idaho's sourced lending facts as they reach Dubois's 522 residents; the state has no city-level rate rule.

RuleDetailSource
State lending regulatorIdaho 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 ruleNo 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

Dubois in state context

Against Idaho's other places, Dubois accounts for about 0.0% of the state's population and ranks 127th of 197 by size. For population change between 2020 and 2023, Dubois ranks 170th of 197 in Idaho (about the 14th percentile). At about 191 people per square mile, Dubois is the 181st most densely settled place in Idaho. Within 50 miles sit 7 smaller Census places, alongside the 13 that are larger.

How lenders reach Dubois

With about 191 residents per square mile, Dubois is lightly settled, and 13 larger Census places sit within 50 miles. Distance to a branch rarely matters for Dubois's 522 residents: the application is online and the price follows your credit file. The nearest larger city, St. Anthony, ID about 30 miles away.

What a Dubois borrower is actually offered

With roughly 522 residents, Dubois is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Dubois's 522 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Dubois loan but raises total interest, so the smallest payment is not the cheapest loan.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Dubois if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Dubois is the same as anywhere in Idaho.
What loan size can I expect in Dubois?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Dubois?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Dubois cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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