Personal loans in Stites, ID
A 2020-to-2023 comparison shows Stites up by about 8.6%. Stites ranks 172nd of 197 places in Idaho, with a population near 190. Stites is a small community of about 190 residents, and a personal loan taken out here is governed by Idaho statute. Work out your debt-to-income ratio first; lenders weigh it heavily, and Stites's 190 residents are no exception. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Stites's 190 residents. A larger market lies at Kooskia, ID about 3 miles away.
What the Census records for Stites
The figures below are Stites's own — Census population, land area and coordinates — followed by the Idaho rules.
- Population: the Census counts 190 residents in Stites (Vintage 2023 subcounty estimate), the 172nd-largest figure among Idaho's 197 places.
- Population trend: Higher by roughly 8.6% since the 2020 count.
- People gained or lost: about 15 more since the 2020 base.
- Size percentile: bigger than about 13% of the places in Idaho, with 190 residents in Stites.
- Density: the Census land area of 0.1 sq mi holds about 2,043 people per square mile.
- By land area: Stites ranks 193rd among Idaho's 197 places, at 0.1 sq mi.
- Within Idaho: about 0.0% of the state's population lives in Stites.
- National rank: Stites sits 16,630th by population among the 19,457 places in this dataset.
- Growth in Idaho: Stites stands 54th by percentage change from 2020 to 2023, among 197 places.
- Against the state trend: Stites's 8.6% change compares with a Idaho average of +7.1% across its 197 places.
- Density rank: Stites is the 45th most densely settled place in Idaho.
- Density vs Idaho: Stites's 2,043 people per square mile compare with a state median of 1,026.
- Location: coordinates 46.0925, -115.9760 (US Census Bureau Gazetteer).
- Nearest larger cities: Kooskia (3 mi); Kamiah (10 mi); Grangeville (13 mi); Nezperce (16 mi); Cottonwood (18 mi). Larger metros often have more branches, but online lenders reach Stites on the same terms.
- Smaller places nearby: Ferdinand (20 mi); White Bird (28 mi); Reubens (31 mi).
- Smaller places within 50 miles: 5 of them.
- Within 100 miles: 58 places are larger than Stites.
What a Stites borrower is actually offered
Stites is a small community of about 190 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Stites. Because the payment is fixed, the total cost of a Stites loan is knowable in advance — unlike a revolving card balance.
Stites's place among Idaho's 197 places
Among Idaho's 197 places, Stites sits at 172nd for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Stites stands 54th among Idaho's 197 places — roughly the 73th percentile. Its roughly 2,043 residents per square mile place it 45th among Idaho's places. In land area, Stites ranks 193rd among Idaho's 197 places.
What is available to Stites borrowers
Stites is fairly dense, with about 2,043 people per square mile and 15 larger places within 50 miles. What is available to Stites's 190 borrowers is set by Idaho licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Kooskia, ID about 3 miles away.
Where Stites sits
Inside Stites's boundaries lie about 0.1 square miles of land, with no significant water area recorded. That land carries about 2,043 people per square mile. For the state's biggest city, Boise City, the distance is roughly 173 miles. Stites has 15 larger places within a 50-mile radius. The 100-mile radius contains 58 larger places.
How Idaho law applies in Stites
This table holds the Idaho rate and licensing rules for consumer loans made to Stites's 190 residents.
| 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 |
| 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 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 |
Common questions
What are my options in Stites if my credit is poor?
What loan size can I expect in Stites?
Do I have to pledge anything to borrow in Stites?
Does comparing loans in Stites cost me credit score points?
Nearby places
- Kooskia, ID — population 556
- Kamiah, ID — population 1,186
- Grangeville, ID — population 3,617
- Weippe, ID — population 417
- Nezperce, ID — population 482
- Cottonwood, ID — population 911
- Ferdinand, ID — population 142
- Pierce, ID — population 523