Personal loans in Clifton, ID

Clifton by the numbers

Two layers matter for a Clifton borrower: the local population picture and Idaho's consumer-lending statutes.

• Population: 454 people, a figure that places Clifton 135th among the 197 Census places in Idaho (US Census Bureau, Vintage 2023).
• Population trend: A rise of about 9.7% from 2020 to 2023.
• Absolute change: 40 residents added between 2020 and 2023.
• Size percentile: Clifton's 454 people outrank roughly 31% of the places in Idaho.
• Population density: 197 people per square mile on 2.3 square miles of land.
• Land area: Clifton covers 2.3 square miles, the 61st-largest area among Idaho's 197 places.
• Share of state population: Clifton's 454 residents are about 0.0% of Idaho.
• National rank: Clifton is 13,561st of 19,457 places nationwide.
• Growth in Idaho: Clifton stands 42nd by percentage change from 2020 to 2023, among 197 places.
• Versus Idaho: the state average change is +7.1%, while Clifton moved 9.7%.
• Density in Idaho: Clifton ranks 180th by people per square mile.
• Density in context: Clifton's 197 people per square mile sit against a Idaho median of 1,026.
• Location: 42.1873 / -112.0046, per the US Census Bureau Gazetteer.
• Nearest larger cities: Dayton (5 mi); Preston (9 mi); Weston (11 mi); Malad City (13 mi); Franklin (16 mi). Larger metros often have more branches, but online lenders reach Clifton on the same terms.
• Smaller communities within reach: Oxford (5 mi); Cornish (15 mi); Portage (19 mi).
• Within a 50-mile radius: 13 smaller Census places.
• Larger places within 100 miles: 104.

The Clifton borrowing checklist

Complete these steps first when you borrow in Clifton (454 residents):

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Test your amount and term in the personal loan calculator first.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Make sure the lender appears in the Idaho regulator's licence list.
5. Make sure the new payment leaves room in a budget you already keep.
6. Weigh a shorter term's higher payment against the interest it saves.
7. Borrow only what the purpose requires, not the maximum you are offered.

None of these steps is Clifton-specific: the same Idaho licensing and disclosure rules reach all 454 residents.

The Idaho lending rules that reach Clifton

The rows below set out what a licensed lender must follow in Idaho, and so for Clifton's roughly 454 residents.

How lenders reach Clifton

Clifton is a lightly settled community of about 454 people, with 42 larger places inside a 50-mile radius. Distance to a branch rarely matters for Clifton's 454 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Dayton, ID about 5 miles away.

How Clifton compares across Idaho

Within Idaho, Clifton holds roughly 0.0% of all residents, the 135th-largest share among 197 places. Its 2020-to-2023 change ranks 42nd of 197 Idaho places, putting it near the 79th percentile for growth. Its roughly 197 residents per square mile place it 180th among Idaho's places. Within 50 miles sit 13 smaller Census places, alongside the 42 that are larger.

Inside a Clifton personal loan

A Clifton personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 454 residents. Because pricing is borrower-level, two people in Clifton can be quoted different APRs on the same amount and term. The term you choose in Clifton decides the split between a comfortable payment and the total interest you pay.