Dayton at a glance
- Population: roughly 536 people; 123rd of 197 places in Idaho (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 514 residents here (US Census Bureau).
- 2020 to 2023 change: roughly 4.3% higher than at the 2020 Census (US Census Bureau).
- Rank among Idaho places: the 123rd-largest of 197 (US Census Bureau, 2023 estimate).
- Size percentile: it is larger than about 38% of the places in Idaho (US Census Bureau).
- Coordinates: 42.1112 latitude, -111.9846 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Weston, ID (5 mi); Preston, ID (5 mi); Lewiston, UT (11 mi); Franklin, ID (12 mi); Clarkston, UT (14 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Clifton, ID (5 mi); Cornish, UT (10 mi); Oxford, ID (10 mi) — US Census Bureau populations.
What a personal loan costs in Dayton
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Idaho lending rules that apply in Dayton
The table carries the Idaho rate and licensing rules that apply to consumer loans made in Dayton.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Dayton
Here is a short checklist for comparing personal loans in Dayton:
- 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.