Personal loans in Oxford, ID

What the Census records for Oxford

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

• Population: about 43 people live here, which puts Oxford 193rd of 197 Census places in Idaho (Vintage 2023).
• Population trend: A rise of about 10.3% from 2020 to 2023.
• Change in people: the 2020-to-2023 comparison is a gain of about 4 residents.
• Size percentile: Oxford sits ahead of around 2% of Idaho places, at 43 people.
• Land and density: 0.3 square miles of land carry roughly 165 residents per square mile.
• Land area rank: Oxford's 0.3 square miles rank 174th of 197 places in Idaho.
• Share of state population: Oxford's 43 residents are about 0.0% of Idaho.
• National standing: Oxford ranks 19,071st of 19,457 US places.
• Growth rank: Oxford ranks 39th among Idaho's 197 places for the 2020-to-2023 change.
• Against the state trend: Oxford's 10.3% change compares with a Idaho average of +7.1% across its 197 places.
• Density rank: Oxford is the 184th most densely settled place in Idaho.
• Against the state median: Oxford runs about 165 residents per square mile, where the Idaho median is 1,026.
• Location: mapped by the US Census Bureau at 42.2598, -112.0179.
• Nearest larger cities: Clifton (5 mi); Dayton (10 mi); Malad City (13 mi); Downey (13 mi); Preston (13 mi). Living near a larger metro rarely changes what is available in Oxford.
• Within a 50-mile radius: 0 smaller Census places.
• Larger places within 100 miles: 132.

What to do before borrowing in Oxford

Before you hand your details to a lender in Oxford, where the population is near 43:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Shop at least three lenders and judge them on APR and total cost.
4. Verify the lender's Idaho licence with the regulator listed on this page.
5. Pick the shortest term whose payment you can comfortably afford.
6. Keep the amount to the expense; an approval is not a reason to take more.
7. Decide the purpose and how you will repay it before approaching any lender.

The process is identical across Idaho; what changes is your credit file, not the fact that Oxford holds 43 people.

Oxford in state context

Within Idaho, Oxford holds roughly 0.0% of all residents, the 193rd-largest share among 197 places. For population change between 2020 and 2023, Oxford ranks 39th of 197 in Idaho (about the 80th percentile). Its roughly 165 residents per square mile place it 184th among Idaho's places. In land area, Oxford ranks 174th among Idaho's 197 places.

Oxford: area, density and distance

Oxford covers about 0.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 165 residents per square mile. The state's population centre of gravity, Boise City, is roughly 232 miles away. Oxford has 54 larger places within a 50-mile radius. Within the same 50 miles lie 0 smaller Census places.

How lenders reach Oxford

Oxford is a lightly settled community of about 43 people, with 54 larger places inside a 50-mile radius. Lenders licensed in Idaho reach Oxford's 43 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Clifton, ID about 5 miles away.

Which Idaho laws govern a loan in Oxford

When Idaho does not publish a figure, the row links to the source instead of inventing a number; Oxford is bound by the same rules.