Personal loans in Smelterville, ID

Smelterville is a small community of about 708 residents, and a personal loan taken out here is governed by Idaho statute. Pull your credit reports and line up at least three offers before you apply from Smelterville. A single loan can carry different costs on either side of a state line, and Smelterville sits on the Idaho side of that line. The closest larger place is Kellogg, ID about 2 miles away.

Local context for Smelterville

The figures below are Smelterville's own — Census population, land area and coordinates — followed by the Idaho rules.

• Population: the Census counts 708 residents in Smelterville (Vintage 2023 subcounty estimate), the 107th-largest figure among Idaho's 197 places.
• Population trend: Growth of about 6.0% across the 2020-to-2023 comparison.
• Change in people: the 2020-to-2023 comparison is a gain of about 40 residents.
• Size percentile: roughly 46% of Idaho's places have fewer residents than Smelterville's 708.
• Density: roughly 2,314 residents per square mile, spread over 0.3 sq mi of land.
• Land area rank: Smelterville's 0.3 square miles rank 169th of 197 places in Idaho.
• State share: roughly 0.1% of Idaho's residents live in Smelterville (708 people).
• National rank: Smelterville is 11,756th of 19,457 places nationwide.
• Growth rank: Smelterville ranks 88th among Idaho's 197 places for the 2020-to-2023 change.
• Versus Idaho: the state average change is +7.1%, while Smelterville moved 6.0%.
• Density rank: Smelterville is the 31st most densely settled place in Idaho.
• Density vs Idaho: Smelterville's 2,314 people per square mile compare with a state median of 1,026.
• Location: 47.5424, -116.1774 (US Census Bureau Gazetteer).
• Nearest larger cities: Kellogg (2 mi); Pinehurst (3 mi); Osburn (9 mi); Wallace (13 mi); St. Maries (24 mi). Online lenders reach Smelterville no matter how far the nearest branch is.
• Nearest smaller towns: Wardner (3 mi); Mullan (19 mi); Fernan Lake Village (28 mi).
• Smaller neighbours: 16 places smaller than Smelterville sit within 50 miles.
• At 100 miles: 56 larger Census places fall inside that radius.

Smelterville against the rest of Idaho

Against Idaho's other places, Smelterville accounts for about 0.1% of the state's population and ranks 107th of 197 by size. Its 2020-to-2023 change ranks 88th of 197 Idaho places, putting it near the 55th percentile for growth. By density, at about 2,314 people per square mile, it ranks 31st in Idaho. Between 2020 and 2023 the count changed by roughly 40 residents.

What is available to Smelterville borrowers

At roughly 2,314 people per square mile, Smelterville is fairly dense; 18 larger places lie within 50 miles. Distance to a branch rarely matters for Smelterville's 708 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Kellogg, ID about 2 miles away.

Inside a Smelterville personal loan

A Smelterville personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 708 residents. A lender serving Smelterville's 708 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Smelterville loan but raises total interest, so the smallest payment is not the cheapest loan.

Idaho rules behind a Smelterville personal loan

These are Idaho's sourced lending facts as they reach Smelterville's 708 residents; the state has no city-level rate rule.

Smelterville on the map

The Census Gazetteer records about 0.3 square miles of land within Smelterville, with no significant water area listed. The resulting density is about 2,314 people per square mile. Boise City, the largest place in Idaho, is about 272 miles from Smelterville. Within 50 miles of Smelterville there are 18 larger Census places. By land area it ranks 169th of 197 Idaho places.