Swan Valley at a glance
- Population: about 303 residents, ranking 150th of 197 Census places in Idaho (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 227 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: up about 33.5% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Idaho places: 150th largest of 197 (US Census Bureau).
- Size percentile: it exceeds roughly 24% of Idaho's Census places by population (US Census Bureau).
- Coordinates: it sits at 43.4426, -111.3245 in the US Census Bureau Gazetteer.
- Nearest larger cities: Victor, ID (15 mi); Driggs, ID (23 mi); Alpine, WY (25 mi); Ririe, ID (26 mi); Jackson, WY (28 mi); US Census Bureau population estimates.
- Nearest smaller communities: Irwin, ID (4 mi); Tetonia, ID (27 mi); Drummond, ID (38 mi), each a US Census place.
What a personal loan costs in Swan Valley
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 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 term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Idaho lending rules that apply in Swan Valley
Read the table as the compliance picture for a lender serving Swan Valley: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Swan Valley
These steps are the ones that most affect the offer you receive in Swan Valley:
- 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.