Hagerman at a glance
- Population: 988 — 87th in Idaho, which has 197 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 965 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 2.4% more residents than the 2020 Census base (US Census Bureau).
- Rank among Idaho places: 87th by size among 197 communities (US Census Bureau).
- Size percentile: it is larger than about 56% of the places in Idaho (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 42.8160, -114.8977.
- Nearest larger cities (within 120 miles): Wendell, ID (10 mi); Gooding, ID (13 mi); Buhl, ID (17 mi); Jerome, ID (21 mi); Glenns Ferry, ID (23 mi) (US Census Bureau populations).
- Nearest smaller towns: Bliss, ID (8 mi); Castleford, ID (20 mi); Dietrich, ID (33 mi) — US Census Bureau populations.
What a personal loan costs in Hagerman
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Idaho lending rules that apply in Hagerman
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Hagerman
The steps below are worth completing first when you borrow in Hagerman:
- 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.