Personal loans in St. Anthony, ID

With roughly 4,025 residents, St. Anthony is a small community, and the lending rules its borrowers live under are written in Idaho, not by the city. About 4,025 people live in St. Anthony, placing it 40th of 197 Census places in Idaho. Borrowers who want a bigger city can look to Rexburg, ID about 11 miles away. From the 2020 Census base to the 2023 estimate, the population rose by about 8.9%. For the 4,025 people in St. Anthony, Idaho runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Compare APR, not the interest rate, because the APR folds in most fees on a St. Anthony loan.

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.

St. Anthony by the numbers

The figures below are St. Anthony's own — Census population, land area and coordinates — followed by the Idaho rules.

Idaho rules behind a St. Anthony personal loan

Below are the Idaho rules that apply to a loan made in St. Anthony, each with the regulator that issued it.

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
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
Small-loan / installment lender licensingRegulated Lenders License required (regulated consumer loans)
Source says: "unless a person is exempt ... he shall not engage in the business of: (a) Making regulated consumer loans".
Idaho State Legislature
as of 2026-09-16

St. Anthony against the rest of Idaho

Among Idaho's 197 places, St. Anthony sits at 40th for population, a share of roughly 0.3% of the state. For population change between 2020 and 2023, St. Anthony ranks 50th of 197 in Idaho (about the 75th percentile). At about 2,091 people per square mile, St. Anthony is the 43rd most densely settled place in Idaho. Within 50 miles sit 21 smaller Census places, alongside the 5 that are larger.

What a St. Anthony borrower is actually offered

A St. Anthony personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 4,025 residents. Two numbers drive a St. Anthony loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in St. Anthony decides the split between a comfortable payment and the total interest you pay.

Before you apply in St. Anthony

Before you hand your details to a lender in St. Anthony, where the population is near 4,025:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  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. Check the Idaho regulator's records to confirm the lender is licensed here.
  5. Read the disclosure for an origination fee and any prepayment penalty before signing.
  6. Check that the monthly payment fits your budget next to your existing obligations.
  7. Pick the shortest term whose payment you can comfortably afford.

The process is identical across Idaho; what changes is your credit file, not the fact that St. Anthony holds 4,025 people.

Borrowing reach in St. Anthony

With about 2,091 residents per square mile, St. Anthony is fairly dense, and 5 larger Census places sit within 50 miles. Distance to a branch rarely matters for St. Anthony's 4,025 residents: the application is online and the price follows your credit file. The nearest larger city, Rexburg, ID about 11 miles away.

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