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Personal loans in Oxford, ID

Borrowers in Oxford use personal loans to consolidate balances or cover a one-time cost, and the terms depend on your credit, income and existing obligations. Census data place Oxford's population near 43, the 193rd-largest among Idaho's 197 Census places. The rate caps and licensing requirements that apply to a lender in Idaho are set out in the sourced table below.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Oxford at a glance

  • Population: 43 — 193rd in Idaho, which has 197 Census places (US Census Bureau, Vintage 2023).
  • 2020 Census base: 39 residents (US Census Bureau, 2020 Census).
  • 2020 to 2023 change: up roughly 10.3% across the 2020-to-2023 comparison (US Census Bureau).
  • Rank among Idaho places: 193rd of 197 by population (US Census Bureau, Vintage 2023).
  • Size percentile: roughly 2% of places in Idaho rank below it by population (US Census Bureau).
  • Coordinates: 42.2598 / -112.0179, per the US Census Bureau Gazetteer.
  • Nearest larger cities: Clifton, ID (5 mi); Dayton, ID (10 mi); Malad City, ID (13 mi); Downey, ID (13 mi); Preston, ID (13 mi) (Census populations, approximate straight-line distance).
  • Smaller places nearby: no smaller Census place within 120 miles.

What a personal loan costs in Oxford

A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.

Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.

Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.

Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.

Idaho lending rules that apply in Oxford

Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.

RuleDetailSource
State lending regulatorIdaho 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 ruleNo 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 statusPermitted 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 licensingRegulated 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 Oxford

Here is a short checklist for comparing personal loans in Oxford:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Idaho using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Oxford?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Oxford are the same as elsewhere in Idaho.
How much can I borrow with a personal loan in Oxford?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Oxford require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Oxford hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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