Bliss at a glance
- Population: 265 people, the 156th-largest place among Idaho's 197 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 259 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 2.3% growth over the 2020 Census base (US Census Bureau).
- Rank among Idaho places: 156th in population of 197 places (US Census Bureau).
- Size percentile: roughly 21% of Idaho's places have fewer residents (US Census Bureau).
- Coordinates: 42.9243 / -114.9475, per the US Census Bureau Gazetteer.
- Nearest larger cities: Hagerman, ID (8 mi); Gooding, ID (12 mi); Wendell, ID (16 mi); Glenns Ferry, ID (18 mi); Buhl, ID (24 mi); each population is a US Census Bureau estimate.
- Smaller places nearby: Castleford, ID (28 mi); Murtaugh, ID (50 mi); Acequia, ID (71 mi), per US Census Bureau estimates.
What a personal loan costs in Bliss
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Idaho lending rules that apply in Bliss
The table lists the Idaho rules that apply to a loan made in Bliss, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| Idaho Credit Code finance-charge rule | No statutory maximum finance-charge rate — rate as agreed by the parties (Idaho Credit Code) Source says: "the rate of finance charge shall be that which is agreed upon between the parties to the transaction". | Idaho State Legislature 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 |
| 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 |
| 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 |
How to compare offers in Bliss
The steps below are worth completing first when you borrow in Bliss:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Idaho using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.