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.

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.

What the Census records for Stites

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

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.

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

Nearby places

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