Rockland at a glance
- Population: the Census estimates 258 residents, ranking 158th of 197 places in Idaho (Vintage 2023).
- 2020 Census base: the 2020 count put the population at 240 (US Census Bureau).
- 2020 to 2023 change: an increase of about 7.5% since the 2020 count (US Census Bureau).
- Rank among Idaho places: 158th of 197 by population (US Census Bureau, Vintage 2023).
- Size percentile: larger than about 20% of the Census places in Idaho (US Census Bureau).
- Coordinates: 42.5733 latitude, -112.8745 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: American Falls, ID (15 mi); Aberdeen, ID (26 mi); Pocatello, ID (29 mi); Chubbuck, ID (32 mi); Inkom, ID (35 mi); US Census Bureau population estimates.
- Nearest smaller places: Malta, ID (31 mi); Minidoka, ID (34 mi); Acequia, ID (37 mi) (US Census Bureau estimates).
What a personal loan costs in Rockland
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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 Rockland
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Rockland
Here is a short checklist for comparing personal loans in Rockland:
- 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.