Personal loans in Heyburn, ID
Personal loans in Heyburn are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 3,726 population. At about 3,726 residents, Heyburn is larger than roughly 79% of the places in Idaho.
Heyburn gained roughly 0.9% in population across the 2020-to-2023 comparison. Compare APR, not the interest rate, because the APR folds in most fees on a Heyburn loan. The nearest larger metro is Burley, ID about 2 miles away. Rate ceilings, licensing requirements and product limits for Heyburn are all set at the Idaho level.
Where Heyburn stands
Here is the sourced Census picture for Heyburn, plus the Idaho lending rules that apply to a loan taken out here.
- Population: an estimated 3,726 residents, 42nd of 197 places in Idaho (Census Vintage 2023 subcounty estimate).
- Population trend: Roughly 0.9% more residents than the 2020 Census counted.
- People gained or lost: about 34 more since the 2020 base.
- Size percentile: with 3,726 residents, Heyburn is larger than about 79% of Idaho's Census places.
- Land and density: 2.6 square miles of land carry roughly 1,426 residents per square mile.
- By land area: Heyburn ranks 52nd among Idaho's 197 places, at 2.6 sq mi.
- Water: Heyburn holds about 0.04 square miles, the 35th-largest water area in Idaho.
- Within Idaho: about 0.3% of the state's population lives in Heyburn.
- National standing: Heyburn ranks 5,643rd of 19,457 US places.
- Growth rank: Heyburn ranks 177th among Idaho's 197 places for the 2020-to-2023 change.
- State comparison: Idaho's places average +7.1% for 2020-to-2023, against Heyburn's 0.9%.
- Density rank: Heyburn is the 71st most densely settled place in Idaho.
- Density in context: Heyburn's 1,426 people per square mile sit against a Idaho median of 1,026.
- Location: the Census Gazetteer records it at 42.5600, -113.7621.
- Nearest larger cities: Burley (2 mi); Rupert (6 mi); Kimberly (31 mi); Twin Falls (36 mi); Jerome (40 mi). Lenders licensed in the state serve Heyburn whether or not they keep a local branch.
- Smaller places close by: Paul (3 mi); Declo (7 mi); Acequia (11 mi).
- Smaller neighbours: 17 places smaller than Heyburn sit within 50 miles.
- Larger places within 100 miles: 13.
The anatomy of a Heyburn personal loan
Heyburn is a small community of about 3,726 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Heyburn's 3,726 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Heyburn loan is knowable in advance — unlike a revolving card balance.
How lenders reach Heyburn
Heyburn is moderately settled, with about 1,426 people per square mile and 6 larger places within 50 miles. Distance to a branch rarely matters for Heyburn's 3,726 residents: the application is online and the price follows your credit file. The nearest bigger place is Burley, ID about 2 miles away.
What Idaho law requires in Heyburn
Every row below records a Idaho rule, its publisher and its retrieval date — the same rules a Heyburn lender must follow.
| 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 |
| 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 |
Where Heyburn sits
Heyburn's land area is about 2.6 square miles; a further 0.04 square miles is water. That land carries about 1,426 people per square mile. The largest place in Idaho, Boise City, lies about 144 miles away. Counting outward 50 miles, 6 larger communities surround Heyburn. Within the same 50 miles lie 17 smaller Census places.
Heyburn against the rest of Idaho
Set beside Idaho's 197 places, Heyburn ranks 42nd by population and holds about 0.3% of the state total. On the 2020-to-2023 trend, Heyburn stands 177th among Idaho's 197 places — roughly the 10th percentile. Its roughly 1,426 residents per square mile place it 71st among Idaho's places. Within 50 miles sit 17 smaller Census places, alongside the 6 that are larger.
Common questions
What are my options in Heyburn if my credit is poor?
What loan size can I expect in Heyburn?
Do I have to pledge anything to borrow in Heyburn?
Does comparing loans in Heyburn cost me credit score points?
Nearby places
- Burley, ID — population 12,146
- Paul, ID — population 1,725
- Rupert, ID — population 6,324
- Declo, ID — population 354
- Acequia, ID — population 136
- Albion, ID — population 245
- Minidoka, ID — population 90
- Oakley, ID — population 816