Wendell at a glance
- Population: 3,010 people, the 50th-largest place among Idaho's 197 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 2,916 residents here (US Census Bureau).
- 2020 to 2023 change: up about 3.2% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Idaho places: 50th of the state's 197 Census places (US Census Bureau).
- Size percentile: larger than about 75% of the Census places in Idaho (US Census Bureau).
- Coordinates: 42.7747 / -114.7030, per the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Jerome, ID (10 mi); Gooding, ID (11 mi); Buhl, ID (13 mi); Twin Falls, ID (19 mi); Kimberly, ID (24 mi) (US Census Bureau).
- Smaller places close by: Hagerman, ID (10 mi); Filer, ID (15 mi); Bliss, ID (16 mi) (US Census Bureau).
What a personal loan costs in Wendell
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.
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.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Idaho lending rules that apply in Wendell
The Idaho rate caps and licensing rules that reach Wendell are listed below, each with its source and retrieval date.
| 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 Wendell
Here is a short checklist for comparing personal loans in Wendell:
- 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.