Personal loans in Coeur d'Alene, ID
A lender serving Coeur d'Alene holds a Idaho licence and answers to a Idaho regulator; no city office is involved for its 56,894 residents.
Coeur d'Alene is home to roughly 56,894 people and stands 7th by size out of 197 Census places in Idaho. Coeur d'Alene added about 4.1% to its population between the 2020 base and the 2023 estimate. Decide the purpose of the loan and your repayment plan before sharing any details with a Coeur d'Alene lender. A larger market lies at Spokane Valley, WA about 21 miles away. Every figure below is Idaho's own, applied to Coeur d'Alene's 56,894 residents, with the publisher and retrieval date attached.
What the Census records for Coeur d'Alene
Only a few things actually differ by place — population, area, location, and the Idaho rules a lender must follow — and they are below.
- Population: 56,894 — Coeur d'Alene ranks 7th of 197 communities in Idaho (US Census Bureau, Vintage 2023).
- Population trend: About 4.1% above the 2020 Census base.
- Change in people: the 2020-to-2023 comparison is a gain of about 2,252 residents.
- Size percentile: roughly 96% of Idaho places rank below Coeur d'Alene.
- Population density: 3,373 people per square mile on 16.9 square miles of land.
- By land area: Coeur d'Alene ranks 12th among Idaho's 197 places, at 16.9 sq mi.
- Water area: Coeur d'Alene has 0.76 square miles of water, ranking 5th of 197 places in Idaho.
- State population share: Coeur d'Alene accounts for about 4.1% of everyone in Idaho.
- National rank: Coeur d'Alene is the 703rd most populous of the 19,457 Census places covered here.
- Growth rank: Coeur d'Alene ranks 125th among Idaho's 197 places for the 2020-to-2023 change.
- Versus Idaho: the state average change is +7.1%, while Coeur d'Alene moved 4.1%.
- Density rank: Coeur d'Alene is the 4th most densely settled place in Idaho.
- Against the state median: Coeur d'Alene runs about 3,373 residents per square mile, where the Idaho median is 1,026.
- Location: 47.7029, -116.7958 (US Census Bureau Gazetteer).
- Nearest larger cities: Spokane Valley (21 mi); Spokane (30 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller communities within reach: Dalton Gardens (2 mi); Huetter (3 mi); Fernan Lake Village (3 mi).
- Smaller places within 50 miles: 50 of them.
- Larger places within 100 miles: 2.
Coeur d'Alene against the rest of Idaho
Against Idaho's other places, Coeur d'Alene accounts for about 4.1% of the state's population and ranks 7th of 197 by size. For population change between 2020 and 2023, Coeur d'Alene ranks 125th of 197 in Idaho (about the 37th percentile). Its roughly 3,373 residents per square mile place it 4th among Idaho's places. Between 2020 and 2023 the count changed by roughly 2,252 residents.
Land, water and location for Coeur d'Alene
Coeur d'Alene's land area is about 16.9 square miles; a further 0.76 square miles is water. The resulting density is about 3,373 people per square mile. Boise City, the largest place in Idaho, is about 285 miles from Coeur d'Alene. Within 50 miles of Coeur d'Alene there are 2 larger Census places. The 100-mile radius contains 2 larger places.
The state rulebook for Coeur d'Alene
Idaho has no separate rate rule for Coeur d'Alene; the sourced rows below are what reach every lender that serves its 56,894 people.
| 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 |
| 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 |
| Small-loan / installment lender licensing | Regulated Lenders License required (regulated consumer loans) Source says: "unless a person is exempt ... he shall not engage in the business of: (a) Making regulated consumer loans". | Idaho State Legislature as of 2026-09-16 |
Getting a loan in Coeur d'Alene
Coeur d'Alene is fairly dense, with about 3,373 people per square mile and 2 larger places within 50 miles. A Idaho licence lets a lender serve Coeur d'Alene without a local office, so branch density does not change what its 56,894 residents are offered. For a larger market, the closest option is Spokane Valley, WA about 21 miles away.
How a Coeur d'Alene personal loan is priced
With roughly 56,894 residents, Coeur d'Alene is a mid-sized city; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Coeur d'Alene. Because the payment is fixed, the total cost of a Coeur d'Alene loan is knowable in advance — unlike a revolving card balance.
Common questions
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Nearby places
- Dalton Gardens, ID — population 2,513
- Huetter, ID — population 102
- Fernan Lake Village, ID — population 162
- Hayden, ID — population 16,422
- Hayden Lake, ID — population 669
- Rathdrum, ID — population 11,580
- Post Falls, ID — population 44,798
- Hauser, ID — population 861