Castleford at a glance
- Population: 226 — 164th in Idaho, which has 197 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 217 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: an increase of about 4.1% since the 2020 count (US Census Bureau).
- Rank among Idaho places: 164th of 197 by population (US Census Bureau, Vintage 2023).
- Size percentile: it exceeds roughly 17% of Idaho's Census places by population (US Census Bureau).
- Coordinates: 42.5206 / -114.8718, per the US Census Bureau Gazetteer.
- Nearest larger cities: Buhl, ID (8 mi); Filer, ID (14 mi); Hollister, ID (19 mi); Wendell, ID (20 mi); Hagerman, ID (20 mi); US Census Bureau population estimates.
- Nearest smaller places: Murtaugh, ID (36 mi); Acequia, ID (66 mi); Minidoka, ID (72 mi) (US Census Bureau estimates).
What a personal loan costs in Castleford
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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.
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.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Idaho lending rules that apply in Castleford
The Idaho rate caps and licensing rules that reach Castleford are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Castleford
The steps below are worth completing first when you borrow in Castleford:
- 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.