Chubbuck at a glance
- Population: roughly 16,362 people; 18th of 197 places in Idaho (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 15,580 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: an increase of about 5.0% since the 2020 count (US Census Bureau).
- Rank among Idaho places: 18th of 197 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 91% of Idaho's Census places are smaller (US Census Bureau).
- Coordinates: 42.9272 / -112.4583, per the US Census Bureau Gazetteer.
- Nearest larger cities: Pocatello, ID (4 mi); Idaho Falls, ID (44 mi); Ammon, ID (45 mi); Rexburg, ID (70 mi); Logan, UT (88 mi) (Census populations, approximate straight-line distance).
- Smaller places nearby: Inkom, ID (14 mi); Aberdeen, ID (19 mi); Blackfoot, ID (19 mi), per US Census Bureau estimates.
What a personal loan costs in Chubbuck
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Idaho lending rules that apply in Chubbuck
Read the table as the compliance picture for a lender serving Chubbuck: label, sourced figure, publisher and date.
| 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 Chubbuck
Run through this list before signing anything in Chubbuck:
- 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.