Crouch at a glance
- Population: 177, the 174th-largest community in Idaho out of 197 (US Census Bureau, Vintage 2023).
- 2020 Census base: 158 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: up roughly 12.0% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Idaho places: 174th out of 197 Census places (US Census Bureau).
- Size percentile: ahead of around 12% of Idaho places in population terms (US Census Bureau).
- Coordinates: latitude 44.1154, longitude -115.9758 (US Census Bureau Gazetteer).
- Nearest larger cities: Horseshoe Bend, ID (18 mi); Idaho City, ID (21 mi); Cascade, ID (27 mi); Emmett, ID (31 mi); Eagle, ID (32 mi); US Census Bureau population estimates.
- Nearest smaller towns: Placerville, ID (12 mi); Stanley, ID (52 mi); Adrian, OR (60 mi) (US Census Bureau).
What a personal loan costs in Crouch
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.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Idaho lending rules that apply in Crouch
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 |
|---|---|---|
| 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 Crouch
The steps below are worth completing first when you borrow in Crouch:
- 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.