Hazelton at a glance
- Population: 813 — 102nd in Idaho, which has 197 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 807 (US Census Bureau).
- 2020 to 2023 change: population rose about 0.7% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Idaho places: 102nd in population of 197 places (US Census Bureau).
- Size percentile: larger than about 48% of the Census places in Idaho (US Census Bureau).
- Coordinates: latitude 42.5950, longitude -114.1366 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Hansen, ID (9 mi); Kimberly, ID (13 mi); Twin Falls, ID (17 mi); Paul, ID (18 mi); Burley, ID (18 mi) (US Census Bureau).
- Smaller places close by: Eden, ID (4 mi); Murtaugh, ID (7 mi); Dietrich, ID (23 mi) (US Census Bureau).
What a personal loan costs in Hazelton
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.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Idaho lending rules that apply in Hazelton
The table carries the Idaho rate and licensing rules that apply to consumer loans made in Hazelton.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Hazelton
The order below is a sensible way to approach a loan in Hazelton:
- 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.