Irwin at a glance
- Population: 286 — 155th in Idaho, which has 197 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 263 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 8.7% growth over the 2020 Census base (US Census Bureau).
- Rank among Idaho places: 155th largest of 197 (US Census Bureau).
- Size percentile: it exceeds roughly 21% of Idaho's Census places by population (US Census Bureau).
- Coordinates: 43.4034, -111.2795 (Census Gazetteer, US Census Bureau).
- Nearest larger cities (120-mile radius): Swan Valley, ID (4 mi); Victor, ID (16 mi); Alpine, WY (21 mi); Driggs, ID (24 mi); Jackson, WY (26 mi) (US Census Bureau).
- Smaller towns nearby: Drummond, ID (41 mi); Island Park, ID (78 mi); Spencer, ID (80 mi) (US Census Bureau).
What a personal loan costs in Irwin
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
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.
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 Irwin
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Irwin
The order below is a sensible way to approach a loan in Irwin:
- 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.