Dalton Gardens at a glance
- Population: the Census estimates 2,513 residents, ranking 55th of 197 places in Idaho (Vintage 2023).
- 2020 Census base: 2,534 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: population fell about 0.8% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Idaho places: 55th in population of 197 places (US Census Bureau).
- Size percentile: it is larger than about 72% of the places in Idaho (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 47.7334, -116.7679.
- Nearest larger cities: Coeur d'Alene, ID (2 mi); Hayden, ID (3 mi); Rathdrum, ID (7 mi); Post Falls, ID (8 mi); Liberty Lake, WA (16 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Hayden Lake, ID (2 mi); Fernan Lake Village, ID (4 mi); Huetter, ID (4 mi) (US Census Bureau).
What a personal loan costs in Dalton Gardens
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Idaho lending rules that apply in Dalton Gardens
The sourced rows below are the rules a licensed lender must follow when lending in Idaho, and therefore in Dalton Gardens.
| 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 Dalton Gardens
Run through this list before signing anything in Dalton Gardens:
- 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.