Hailey at a glance
- Population: about 9,824, 27th by size in Idaho of 197 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 9,172 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: population rose about 7.1% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Idaho places: 27th of the state's 197 Census places (US Census Bureau).
- Size percentile: roughly 86% of places in Idaho rank below it by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 43.5127, -114.2995.
- Nearest larger cities: Jerome, ID (56 mi); Twin Falls, ID (66 mi); Burley, ID (72 mi); Mountain Home, ID (75 mi); Boise City, ID (97 mi); US Census Bureau population estimates.
- Nearest smaller communities: Bellevue, ID (4 mi); Sun Valley, ID (12 mi); Ketchum, ID (13 mi), each a US Census place.
What a personal loan costs in Hailey
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Idaho lending rules that apply in Hailey
The table carries the Idaho rate and licensing rules that apply to consumer loans made in Hailey.
| 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 Hailey
Run through this list before signing anything in Hailey:
- 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.