Acequia at a glance
- Population: 136 people, the 181st-largest place among Idaho's 197 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 132 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: up roughly 3.0% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Idaho places: 181st in population of 197 places (US Census Bureau).
- Size percentile: roughly 8% of Idaho's places have fewer residents (US Census Bureau).
- Coordinates: 42.6683 latitude, -113.5973 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Rupert, ID (5 mi); Declo, ID (10 mi); Paul, ID (11 mi); Heyburn, ID (11 mi); Burley, ID (13 mi), each a US Census place with its estimated population.
- Nearest smaller places: Minidoka, ID (8 mi); Murtaugh, ID (31 mi); Butte City, ID (67 mi) (US Census Bureau estimates).
What a personal loan costs in Acequia
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.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Idaho lending rules that apply in Acequia
Each row below is a Idaho rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Acequia
A few practical steps will make the process in Acequia less costly:
- 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.