Personal loans in Firth, ID

Personal loans in Firth are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 541 population. With 541 residents, Firth outranks about 38% of the communities in Idaho.

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

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Decide the purpose of the loan and your repayment plan before sharing any details with a Firth lender. Census figures put the 2020-to-2023 increase in Firth at about 4.4%. A lender that serves Firth operates under Idaho lending statutes and a Idaho supervisor. The closest larger place is Shelley, ID about 6 miles away.

What the Census records for Firth

Only a few things actually differ by place — population, area, location, and the Idaho rules a lender must follow — and they are below.

Firth against the rest of Idaho

Among Idaho's 197 places, Firth sits at 122nd for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Firth ranks 115th of 197 in Idaho (about the 42th percentile). By density, at about 941 people per square mile, it ranks 104th in Idaho. By land area, its 0.6 square miles rank 144th of 197 places in Idaho.

The state rulebook for Firth

This table holds the Idaho rate and licensing rules for consumer loans made to Firth's 541 residents.

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
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

Lender access in Firth

With about 941 residents per square mile, Firth is moderately settled, and 19 larger Census places sit within 50 miles. What is available to Firth's 541 borrowers is set by Idaho licensing and your own credit, not by how many branches are nearby. The nearest larger city, Shelley, ID about 6 miles away.

The geography behind Firth

Firth's land area is roughly 0.6 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 941 people per square mile. For the state's biggest city, Boise City, the distance is roughly 204 miles. Counting outward 50 miles, 19 larger communities surround Firth. The 100-mile radius contains 45 larger places.

What shapes a Firth personal loan

Most loans made to Firth's 541 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Firth's 541 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Firth loan but raises total interest, so the smallest payment is not the cheapest loan.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Firth if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Firth is the same as anywhere in Idaho.
What loan size can I expect in Firth?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Firth?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Firth cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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