Personal loans in Wallace, ID

The nearest larger city is Osburn, ID about 4 miles away. Wallace added about 4.7% to its population between the 2020 base and the 2023 estimate. Which products a lender may offer to Wallace's 825 residents follows from the Idaho consumer-lending framework. Judge Wallace offers on total cost, not on how quickly the money arrives.

Where Wallace stands

Most of what governs a Wallace loan is written in Idaho law rather than in the city; the sourced notes below make that split concrete.

• Population: the Census counts 825 residents in Wallace (Vintage 2023 subcounty estimate), the 99th-largest figure among Idaho's 197 places.
• Population trend: Up about 4.7% from the 2020 Census base to the 2023 estimate.
• People gained or lost: about 37 more since the 2020 base.
• Size percentile: bigger than about 50% of the places in Idaho, with 825 residents in Wallace.
• Population density: about 909 people per square mile across 0.9 square miles of land (Census Gazetteer area, Vintage 2023 population).
• By land area: Wallace ranks 109th among Idaho's 197 places, at 0.9 sq mi.
• Share of Idaho: Wallace holds about 0.1% of the state's population, some 825 people.
• Nationally: Wallace is the 11,050th-largest of 19,457 Census places in the dataset.
• Growth in Idaho: Wallace stands 111th by percentage change from 2020 to 2023, among 197 places.
• Against the state trend: Wallace's 4.7% change compares with a Idaho average of +7.1% across its 197 places.
• Density rank: Wallace is the 107th most densely settled place in Idaho.
• Density in context: Wallace's 909 people per square mile sit against a Idaho median of 1,026.
• Location: the Census Gazetteer records it at 47.4736, -115.9225.
• Nearest larger cities: Osburn (4 mi); Kellogg (11 mi); Pinehurst (15 mi); Thompson Falls (28 mi); St. Maries (32 mi). Larger metros often have more branches, but online lenders reach Wallace on the same terms.
• Smaller communities close by: Mullan (6 mi); Wardner (10 mi); Smelterville (13 mi), each with its own Census population profile.
• Smaller places within 50 miles: 12 of them.
• At 100 miles: 50 larger Census places fall inside that radius.

What to do before borrowing in Wallace

Before you apply in Wallace, a community of about 825, work through these steps:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
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. Write down the purpose of the loan and your repayment plan before you apply.
7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

None of these steps is Wallace-specific: the same Idaho licensing and disclosure rules reach all 825 residents.

Which Idaho laws govern a loan in Wallace

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

Where Wallace sits in Idaho

Among Idaho's 197 places, Wallace sits at 99th for population, a share of roughly 0.1% of the state. For population change between 2020 and 2023, Wallace ranks 111th of 197 in Idaho (about the 44th percentile). Its roughly 909 residents per square mile place it 107th among Idaho's places. The population moved by about 37 people between 2020 and 2023, a 4.7% shift.

Wallace on the map

Inside Wallace's boundaries lie about 0.9 square miles of land, with no significant water area recorded. The resulting density is about 909 people per square mile. The largest place in Idaho, Boise City, lies about 268 miles away. Counting outward 50 miles, 10 larger communities surround Wallace. The 100-mile radius contains 50 larger places.

What a Wallace borrower is actually offered

A Wallace personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 825 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Wallace. The term you choose in Wallace decides the split between a comfortable payment and the total interest you pay.