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Personal loans in Ucon, ID

In Ucon, a personal loan gives you a lump sum repaid over a set term, with the lender setting your APR from your credit, income and debts. Census estimates count about 1,235 residents in Ucon, making it the 76th-largest of 197 places in Idaho. Idaho sets the rate caps and licensing rules a lender must follow here, and the sourced table below lists them.

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

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Ucon at a glance

  • Population: roughly 1,235 people; 76th of 197 places in Idaho (Census Vintage 2023 subcounty estimate).
  • 2020 Census base: 1,165 people counted in the 2020 Census (US Census Bureau).
  • 2020 to 2023 change: up roughly 6.0% across the 2020-to-2023 comparison (US Census Bureau).
  • Rank among Idaho places: 76th in population of 197 places (US Census Bureau).
  • Size percentile: larger than about 61% of the Census places in Idaho (US Census Bureau).
  • Coordinates: 43.5929, -111.9600 (US Census Bureau Gazetteer).
  • Nearest larger cities (within 120 miles): Iona, ID (5 mi); Rigby, ID (6 mi); Idaho Falls, ID (8 mi); Ammon, ID (8 mi); Shelley, ID (17 mi) (US Census Bureau populations).
  • Smaller places nearby: Lewisville, ID (8 mi); Menan, ID (9 mi); Ririe, ID (10 mi), per US Census Bureau estimates.

What a personal loan costs in Ucon

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.

A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.

If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.

Idaho lending rules that apply in Ucon

The Idaho rate caps and licensing rules that reach Ucon are listed below, each with its source and retrieval date.

RuleDetailSource
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
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

How to compare offers in Ucon

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

  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 Ucon?
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 Ucon are the same as elsewhere in Idaho.
How much can I borrow with a personal loan in Ucon?
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 Ucon 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 Ucon 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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