Personal loans in Kamiah, ID
The first question in Kamiah is not the rate on offer but whether the payment fits; about 1,186 people live here under Idaho lending law. Read the disclosure for an origination fee and any prepayment penalty before signing in Kamiah.
The Census counts 1,186 people in Kamiah, the 78th-largest figure among Idaho's 197 places. Lenders active in Kamiah report to a Idaho supervisor, identified in the sourced rows below. From the 2020 Census base to the 2023 estimate, the population rose by about 6.1%. A larger market lies at Orofino, ID about 21 miles away.
The Kamiah data picture
Here is the sourced Census picture for Kamiah, plus the Idaho lending rules that apply to a loan taken out here.
- Population: 1,186 people, a figure that places Kamiah 78th among the 197 Census places in Idaho (US Census Bureau, Vintage 2023).
- Population trend: Growth of about 6.1% across the 2020-to-2023 comparison.
- Net change: roughly 68 more people than the 2020 Census counted.
- Size percentile: roughly 60% of Idaho places rank below Kamiah.
- Density: the Census land area of 1.1 sq mi holds about 1,080 people per square mile.
- By land area: Kamiah ranks 92nd among Idaho's 197 places, at 1.1 sq mi.
- Water area: Kamiah has 0.09 square miles of water, ranking 27th of 197 places in Idaho.
- Share of state population: Kamiah's 1,186 residents are about 0.1% of Idaho.
- National rank: Kamiah is the 9,601st most populous of the 19,457 Census places covered here.
- Growth rank: Kamiah ranks 82nd among Idaho's 197 places for the 2020-to-2023 change.
- State comparison: Idaho's places average +7.1% for 2020-to-2023, against Kamiah's 6.1%.
- Density rank: Kamiah is the 96th most densely settled place in Idaho.
- Against the state median: Kamiah runs about 1,080 residents per square mile, where the Idaho median is 1,026.
- Location: 46.2268 / -116.0283, per the US Census Bureau Gazetteer.
- Nearest larger cities: Orofino (21 mi); Grangeville (21 mi); Lapwai (39 mi); Lewiston (47 mi); Asotin (49 mi). A branch is convenient; it is not what sets your APR.
- Smaller communities close by: Kooskia (6 mi); Stites (10 mi); Nezperce (10 mi), each with its own Census population profile.
- Smaller places within 50 miles: 19 of them.
- Larger places within 100 miles: 20.
Kamiah on the map
The Census Gazetteer records 1.1 square miles of land and 0.09 square miles of water within Kamiah. Spread across it are roughly 1,080 residents per square mile. For the state's biggest city, Boise City, the distance is roughly 182 miles. Counting outward 50 miles, 5 larger communities surround Kamiah. Within the same 50 miles lie 19 smaller Census places.
Steps to take before a Kamiah loan
Before you hand your details to a lender in Kamiah, where the population is near 1,186:
- Pull your credit reports first and correct any error before a lender sees the file.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Line up several pre-qualified offers and let the APR decide.
- Look the lender up in the Idaho regulator's licence records before you sign.
- Pick the shortest term whose payment you can comfortably afford.
- Keep the amount to the expense; an approval is not a reason to take more.
- Decide the purpose and how you will repay it before approaching any lender.
None of these steps is Kamiah-specific: the same Idaho licensing and disclosure rules reach all 1,186 residents.
Which Idaho laws govern a loan in Kamiah
These are Idaho's sourced lending facts as they reach Kamiah's 1,186 residents; the state has no city-level rate rule.
| 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 |
| 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 |
Getting a loan in Kamiah
At roughly 1,080 people per square mile, Kamiah is moderately settled; 5 larger places lie within 50 miles. What is available to Kamiah's 1,186 borrowers is set by Idaho licensing and your own credit, not by how many branches are nearby. The nearest larger city, Orofino, ID about 21 miles away.
Kamiah in state context
Among Idaho's 197 places, Kamiah sits at 78th for population, a share of roughly 0.1% of the state. Its 2020-to-2023 change ranks 82nd of 197 Idaho places, putting it near the 58th percentile for growth. At about 1,080 people per square mile, Kamiah is the 96th most densely settled place in Idaho. Between 2020 and 2023 the count changed by roughly 68 residents.
Common questions
What are my options in Kamiah if my credit is poor?
What loan size can I expect in Kamiah?
Do I have to pledge anything to borrow in Kamiah?
Does comparing loans in Kamiah cost me credit score points?
Nearby places
- Kooskia, ID — population 556
- Stites, ID — population 190
- Weippe, ID — population 417
- Nezperce, ID — population 482
- Grangeville, ID — population 3,617
- Orofino, ID — population 3,313
- Pierce, ID — population 523
- Cottonwood, ID — population 911