Teton at a glance
- Population: roughly 840 people; 96th of 197 places in Idaho (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 789 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: an increase of about 6.5% since the 2020 count (US Census Bureau).
- Rank among Idaho places: 96th of 197 by population (US Census Bureau, Vintage 2023).
- Size percentile: larger than about 51% of the Census places in Idaho (US Census Bureau).
- Coordinates: 43.8878 latitude, -111.6723 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Sugar City, ID (4 mi); St. Anthony, ID (5 mi); Rexburg, ID (7 mi); Ashton, ID (17 mi); Rigby, ID (19 mi); US Census Bureau population estimates.
- Nearest smaller towns: Newdale, ID (3 mi); Parker, ID (7 mi); Drummond, ID (18 mi) (US Census Bureau).
What a personal loan costs in Teton
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Teton
Each row below is a Idaho rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Teton
Before you share your details with a lender in Teton:
- 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.