Hollister at a glance
- Population: 265 — 157th in Idaho, which has 197 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 243 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 9.1% growth over the 2020 Census base (US Census Bureau).
- Rank among Idaho places: 157th of 197 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 20% of Idaho's Census places are smaller (US Census Bureau).
- Coordinates: it sits at 42.3529, -114.5838 in the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Filer, ID (15 mi); Twin Falls, ID (16 mi); Kimberly, ID (17 mi); Hansen, ID (19 mi); Buhl, ID (19 mi) (US Census Bureau populations).
- Nearest smaller towns: Castleford, ID (19 mi); Murtaugh, ID (24 mi); Albion, ID (51 mi) (US Census Bureau).
What a personal loan costs in Hollister
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Hollister
The sourced rows below are the rules a licensed lender must follow when lending in Idaho, and therefore in Hollister.
| 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 |
| 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 |
How to compare offers in Hollister
These steps are the ones that most affect the offer you receive in Hollister:
- 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.