Ashton at a glance
- Population: 951, the 89th-largest community in Idaho out of 197 (US Census Bureau, Vintage 2023).
- 2020 Census base: 949 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 0.2% more residents than the 2020 Census base (US Census Bureau).
- Rank among Idaho places: 89th out of 197 Census places (US Census Bureau).
- Size percentile: it is larger than about 55% of the places in Idaho (US Census Bureau).
- Coordinates: mapped at 44.0733, -111.4483 by the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): St. Anthony, ID (14 mi); Sugar City, ID (20 mi); Rexburg, ID (24 mi); Driggs, ID (29 mi); Rigby, ID (36 mi) (US Census Bureau).
- Nearest smaller towns: Drummond, ID (7 mi); Newdale, ID (15 mi); Teton, ID (17 mi) — US Census Bureau populations.
What a personal loan costs in Ashton
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Idaho lending rules that apply in Ashton
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Ashton
Run through this list before signing anything in Ashton:
- 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.