Firth at a glance
- Population: the Census estimates 541 residents, ranking 122nd of 197 places in Idaho (Vintage 2023).
- 2020 Census base: 518 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 4.4% more residents than the 2020 Census base (US Census Bureau).
- Rank among Idaho places: 122nd of 197 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 38% of Idaho's Census places are smaller (US Census Bureau).
- Coordinates: 43.3058, -112.1834 (Census Gazetteer, US Census Bureau).
- Nearest larger cities (within 120 miles): Shelley, ID (6 mi); Blackfoot, ID (11 mi); Idaho Falls, ID (15 mi); Ammon, ID (16 mi); Iona, ID (20 mi) (US Census Bureau populations).
- Smaller towns nearby: Basalt, ID (1 mi); Lewisville, ID (28 mi); Mud Lake, ID (40 mi) (US Census Bureau).
What a personal loan costs in Firth
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.
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.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Firth
Read the table as the compliance picture for a lender serving Firth: label, sourced figure, publisher and date.
| 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 Firth
Before you share your details with a lender in Firth:
- 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.