Personal loans in Kendrick, ID

Kendrick gained roughly 2.4% in population across the 2020-to-2023 comparison. In Kendrick, one of 197 Census places in Idaho, the figure to compare across lenders is the APR, not the advertised rate.

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.

At about 296 residents, Kendrick is larger than roughly 22% of the places in Idaho. The next larger city is Juliaetta, ID about 4 miles away. Every figure below is Idaho's own, applied to Kendrick's 296 residents, with the publisher and retrieval date attached. Decide the purpose of the loan and your repayment plan before sharing any details with a Kendrick lender.

Where Kendrick stands

Kendrick is a small community; the notes below cover its population profile and the statewide rules that apply.

Kendrick in state context

Against Idaho's other places, Kendrick accounts for about 0.0% of the state's population and ranks 153rd of 197 by size. On the 2020-to-2023 trend, Kendrick stands 161st among Idaho's 197 places — roughly the 18th percentile. By density, at about 822 people per square mile, it ranks 120th in Idaho. In land area, Kendrick ranks 162nd among Idaho's 197 places.

Land, water and location for Kendrick

Kendrick covers about 0.4 square miles of land, with 0.02 square miles of water inside its boundaries (Census Gazetteer). That land carries about 822 people per square mile. The largest place in Idaho, Boise City, lies about 209 miles away. Kendrick has 31 larger places within a 50-mile radius. Within the same 50 miles lie 9 smaller Census places.

What is available to Kendrick borrowers

Kendrick is a moderately settled community of about 296 people, with 31 larger places inside a 50-mile radius. Distance to a branch rarely matters for Kendrick's 296 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Juliaetta, ID about 4 miles away.

A practical checklist for Kendrick borrowers

Before you hand your details to a lender in Kendrick, where the population is near 296:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Look the lender up in the Idaho regulator's licence records before you sign.
  5. Weigh a shorter term's higher payment against the interest it saves.
  6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  7. Decide the purpose and how you will repay it before approaching any lender.

What differs between Kendrick and the rest of Idaho is not the process but the borrower's own file, among the 296 people here.

The state rulebook for Kendrick

This table holds the Idaho rate and licensing rules for consumer loans made to Kendrick's 296 residents.

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
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 statusPermitted 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

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 Kendrick 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 Kendrick is the same as anywhere in Idaho.
What loan size can I expect in Kendrick?
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 Kendrick?
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 Kendrick 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.

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