Personal loans in Paris, ID

Where Paris stands

Only a few things actually differ by place — population, area, location, and the Idaho rules a lender must follow — and they are below.

• Population: about 549 people live here, which puts Paris 121st of 197 Census places in Idaho (Vintage 2023).
• Population trend: About 1.3% above the 2020 Census base.
• People gained or lost: about 7 more since the 2020 base.
• Size percentile: about 39% of Idaho communities are smaller than Paris (549 residents).
• Density: the Census land area of 3.5 sq mi holds about 157 people per square mile.
• By land area: Paris ranks 41st among Idaho's 197 places, at 3.5 sq mi.
• Water area: Paris has 0.03 square miles of water, ranking 44th of 197 places in Idaho.
• Share of state population: Paris's 549 residents are about 0.0% of Idaho.
• National rank: Paris is 12,783rd of 19,457 places nationwide.
• Growth rank: Paris's 2020-to-2023 change ranks 175th of 197 places in Idaho.
• Versus Idaho: the state average change is +7.1%, while Paris moved 1.3%.
• Density in Idaho: Paris ranks 185th by people per square mile.
• Density in context: Paris's 157 people per square mile sit against a Idaho median of 1,026.
• Location: latitude 42.2280, longitude -111.4024 (Census Gazetteer).
• Nearest larger cities: Montpelier (9 mi); Garden City (20 mi); Franklin (25 mi); Preston (26 mi); Grace (29 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller places close by: Bloomington (3 mi); St. Charles (8 mi); Georgetown (17 mi).
• Within a 50-mile radius: 17 smaller Census places.
• Within 100 miles: 93 places are larger than Paris.

Paris: area, density and distance

Paris's land area is about 3.5 square miles; a further 0.03 square miles is water. Spread across it are roughly 157 residents per square mile. The largest place in Idaho, Boise City, lies about 262 miles away. Paris has 26 larger places within a 50-mile radius. Within the same 50 miles lie 17 smaller Census places.

How lenders reach Paris

At roughly 157 people per square mile, Paris is lightly settled; 26 larger places lie within 50 miles. Lenders licensed in Idaho reach Paris's 549 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Montpelier, ID about 9 miles away.

Which Idaho laws govern a loan in Paris

Every row below records a Idaho rule, its publisher and its retrieval date — the same rules a Paris lender must follow.

A pre-application checklist for Paris

These steps shape the offer you get in Paris, a place of about 549 people:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Confirm the Idaho licence with the regulator named above before committing.
5. Borrow only what the purpose requires, not the maximum you are offered.
6. Be clear on what the loan is for and how it gets repaid.
7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

In Paris as elsewhere in Idaho, the written terms — not the advertisement — are what count for its 549 residents.

What shapes a Paris personal loan

A Paris personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 549 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Paris. Shortening the term on a Paris loan raises the monthly payment but cuts the interest; lengthening it does the reverse.