Personal loans in Franklin, ID

Franklin by the numbers

What follows is Franklin's place in the Census record, alongside the Idaho rules that govern a personal loan made here.

• Population: about 1,120, ranked 79th of 197 places in Idaho (Census Vintage 2023 subcounty estimate).
• Population trend: Growth of about 9.4% across the 2020-to-2023 comparison.
• Absolute change: 96 residents added between 2020 and 2023.
• Size percentile: roughly 60% of Idaho's places have fewer residents than Franklin's 1,120.
• Density: roughly 860 residents per square mile, spread over 1.3 sq mi of land.
• Land area rank: Franklin's 1.3 square miles rank 84th of 197 places in Idaho.
• Water area rank: Franklin ranks 48th among Idaho's 197 places, with 0.03 sq mi.
• Share of state population: Franklin's 1,120 residents are about 0.1% of Idaho.
• National standing: Franklin ranks 9,790th of 19,457 US places.
• Growth rank: Franklin ranks 44th among Idaho's 197 places for the 2020-to-2023 change.
• State comparison: Idaho's places average +7.1% for 2020-to-2023, against Franklin's 9.4%.
• Density in Idaho: Franklin ranks 116th by people per square mile.
• Density in context: Franklin's 860 people per square mile sit against a Idaho median of 1,026.
• Location: mapped by the US Census Bureau at 42.0095, -111.8022.
• Nearest larger cities: Lewiston (5 mi); Richmond (6 mi); Preston (7 mi); Smithfield (12 mi); Hyde Park (14 mi). A branch is convenient; it is not what sets your APR.
• Smaller places close by: Cornish (9 mi); Weston (9 mi); Trenton (10 mi).
• Within a 50-mile radius: 33 smaller Census places.
• Within 100 miles: 90 places are larger than Franklin.

The state rulebook for Franklin

For the roughly 1,120 residents of Franklin, the rules below are Idaho's own; each row carries its publisher and retrieval date.

How a Franklin personal loan is priced

Franklin is a small community of about 1,120 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Franklin's rank of 79th in Idaho: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Franklin decides the split between a comfortable payment and the total interest you pay.

Land, water and location for Franklin

The Census Gazetteer records 1.3 square miles of land and 0.03 square miles of water within Franklin. That land carries about 860 people per square mile. For the state's biggest city, Boise City, the distance is roughly 250 miles. Counting outward 50 miles, 27 larger communities surround Franklin. Within the same 50 miles lie 33 smaller Census places.

Steps to take before a Franklin loan

For Franklin's roughly 1,120 residents, these are the steps that most influence the offer:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Model the payment on the calculator before a lender models it for you.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Confirm the lender holds a Idaho licence by checking the regulator named above.
5. Write down the purpose of the loan and your repayment plan before you apply.
6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
7. Look for an origination fee or prepayment penalty in the written disclosure.

The process is identical across Idaho; what changes is your credit file, not the fact that Franklin holds 1,120 people.

Franklin in state context

Against Idaho's other places, Franklin accounts for about 0.1% of the state's population and ranks 79th of 197 by size. Its 2020-to-2023 change ranks 44th of 197 Idaho places, putting it near the 78th percentile for growth. At about 860 people per square mile, Franklin is the 116th most densely settled place in Idaho. The population moved by about 96 people between 2020 and 2023, a 9.4% shift.