Arco at a glance
- Population: about 930, 91st by size in Idaho of 197 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 880 residents here (US Census Bureau).
- 2020 to 2023 change: an increase of about 5.7% since the 2020 count (US Census Bureau).
- Rank among Idaho places: 91st of the state's 197 Census places (US Census Bureau).
- Size percentile: roughly 54% of Idaho's places have fewer residents (US Census Bureau).
- Coordinates: mapped at 43.6319, -113.3010 by the US Census Bureau Gazetteer.
- Nearest larger cities: Bellevue, ID (49 mi); Hailey, ID (51 mi); Sun Valley, ID (52 mi); Aberdeen, ID (53 mi); Ketchum, ID (54 mi); US Census Bureau population estimates.
- Nearest smaller communities: Butte City, ID (3 mi); Moore, ID (8 mi); Mackay, ID (25 mi), each a US Census place.
What a personal loan costs in Arco
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.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Idaho lending rules that apply in Arco
The table lists the Idaho rules that apply to a loan made in Arco, each with the regulator that published it.
| 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 Arco
Before you share your details with a lender in Arco:
- 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.