Carey at a glance
- Population: 688 — 109th in Idaho, which has 197 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 687 (US Census Bureau).
- 2020 to 2023 change: an increase of about 0.1% since the 2020 count (US Census Bureau).
- Rank among Idaho places: 109th of 197 by population (US Census Bureau, Vintage 2023).
- Size percentile: it exceeds roughly 45% of Idaho's Census places by population (US Census Bureau).
- Coordinates: it sits at 43.3120, -113.9410 in the US Census Bureau Gazetteer.
- Nearest larger cities: Bellevue, ID (19 mi); Hailey, ID (23 mi); Sun Valley, ID (32 mi); Ketchum, ID (34 mi); Shoshone, ID (35 mi); each population is a US Census Bureau estimate.
- Smaller towns nearby: Richfield, ID (21 mi); Dietrich, ID (32 mi); Butte City, ID (41 mi) (US Census Bureau).
What a personal loan costs in Carey
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Idaho lending rules that apply in Carey
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 |
|---|---|---|
| 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 Carey
The steps below are worth completing first when you borrow in Carey:
- 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.