Driggs at a glance
- Population: the Census estimates 2,263 residents, ranking 61st of 197 places in Idaho (Vintage 2023).
- 2020 Census base: 1,989 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a gain of roughly 13.8% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Idaho places: 61st out of 197 Census places (US Census Bureau).
- Size percentile: about 69% of Idaho's Census places are smaller (US Census Bureau).
- Coordinates: latitude 43.7303, longitude -111.1041 (US Census Bureau Gazetteer).
- Nearest larger cities: Victor, ID (9 mi); Jackson, WY (24 mi); St. Anthony, ID (33 mi); Rexburg, ID (35 mi); Rigby, ID (41 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: Tetonia, ID (6 mi); Drummond, ID (22 mi); Swan Valley, ID (23 mi) (US Census Bureau estimates).
What a personal loan costs in Driggs
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
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.
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 Driggs
Each row below is a Idaho rule with its publisher and the date it was retrieved.
| 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 Driggs
Before you commit to a personal loan in Driggs, work through these steps:
- 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.