Kimberly at a glance
- Population: 5,359 people, the 35th-largest place among Idaho's 197 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 4,628 residents here (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 15.8% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Idaho places: 35th-largest of 197 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 82% of Idaho's Census places are smaller (US Census Bureau).
- Coordinates: latitude 42.5349, longitude -114.3707 (US Census Bureau Gazetteer).
- Nearest larger cities: Twin Falls, ID (5 mi); Jerome, ID (15 mi); Burley, ID (29 mi); Rupert, ID (36 mi); Hailey, ID (68 mi); US Census Bureau population estimates.
- Nearest smaller towns: Hansen, ID (4 mi); Eden, ID (10 mi); Murtaugh, ID (11 mi) — US Census Bureau populations.
What a personal loan costs in Kimberly
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
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 Kimberly
Each row below is a Idaho rule with its publisher and the date it was retrieved.
| 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 Kimberly
Before you commit to a personal loan in Kimberly, 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.