Personal loans in Murtaugh, ID

Two households in Murtaugh with comparable incomes can still be offered different rates; the city's 121 residents are not the reason. About 121 people live in Murtaugh, placing it 182nd of 197 Census places 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.

Read the disclosure for an origination fee and any prepayment penalty before signing in Murtaugh. Murtaugh gained roughly 4.3% in population across the 2020-to-2023 comparison. For the 121 people in Murtaugh, Idaho runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Borrowers who want a bigger city can look to Hazelton, ID about 7 miles away.

What the Census records for Murtaugh

Most of what governs a Murtaugh loan is written in Idaho law rather than in the city; the sourced notes below make that split concrete.

Getting a loan in Murtaugh

At roughly 538 people per square mile, Murtaugh is moderately settled; 26 larger places lie within 50 miles. Distance to a branch rarely matters for Murtaugh's 121 residents: the application is online and the price follows your credit file. The nearest larger city, Hazelton, ID about 7 miles away.

Idaho consumer-lending rules applied in Murtaugh

Every row below records a Idaho rule, its publisher and its retrieval date — the same rules a Murtaugh lender must follow.

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
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

Inside a Murtaugh personal loan

Murtaugh is a small community of about 121 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Murtaugh loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Murtaugh loan is knowable in advance — unlike a revolving card balance.

Where Murtaugh sits in Idaho

Among Idaho's 197 places, Murtaugh sits at 182nd for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Murtaugh stands 118th among Idaho's 197 places — roughly the 40th percentile. At about 538 people per square mile, Murtaugh is the 152nd most densely settled place in Idaho. The population moved by about 5 people between 2020 and 2023, a 4.3% shift.

The geography behind Murtaugh

Murtaugh covers about 0.2 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 538 people per square mile. The largest place in Idaho, Boise City, lies about 129 miles away. Murtaugh has 26 larger places within a 50-mile radius. Within the same 50 miles lie 1 smaller Census places.

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 Murtaugh 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 Murtaugh is the same as anywhere in Idaho.
What loan size can I expect in Murtaugh?
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 Murtaugh?
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 Murtaugh 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.

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