Oxford at a glance
- Population: 43 — 193rd in Idaho, which has 197 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 39 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: up roughly 10.3% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Idaho places: 193rd of 197 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 2% of places in Idaho rank below it by population (US Census Bureau).
- Coordinates: 42.2598 / -112.0179, per the US Census Bureau Gazetteer.
- Nearest larger cities: Clifton, ID (5 mi); Dayton, ID (10 mi); Malad City, ID (13 mi); Downey, ID (13 mi); Preston, ID (13 mi) (Census populations, approximate straight-line distance).
- Smaller places nearby: no smaller Census place within 120 miles.
What a personal loan costs in Oxford
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Idaho lending rules that apply in Oxford
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 |
|---|---|---|
| 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 Oxford
Here is a short checklist for comparing personal loans in Oxford:
- 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.