Personal loans in Ucon, ID

Ucon is one of 197 Census places in Idaho; its 1,235 residents put it at 76th. The closest larger place is Iona, ID about 5 miles away. Consumer lending that reaches Ucon's 1,235 residents is governed by Idaho statute; no city ordinance changes it. Read the disclosure for an origination fee and any prepayment penalty before signing in Ucon.

The Ucon data picture

Here is the sourced Census picture for Ucon, plus the Idaho lending rules that apply to a loan taken out here.

• Population: about 1,235 people live here, which puts Ucon 76th of 197 Census places in Idaho (Vintage 2023).
• Population trend: Higher by roughly 6.0% since the 2020 count.
• Net change: roughly 70 more people than the 2020 Census counted.
• Size percentile: about 61% of Idaho's Census places are smaller than Ucon.
• Density: the Census land area of 0.9 sq mi holds about 1,354 people per square mile.
• Land area rank: Ucon's 0.9 square miles rank 108th of 197 places in Idaho.
• Within Idaho: about 0.1% of the state's population lives in Ucon.
• Nationally: Ucon is the 9,436th-largest of 19,457 Census places in the dataset.
• Growth rank: Ucon ranks 87th among Idaho's 197 places for the 2020-to-2023 change.
• Against the state trend: Ucon's 6.0% change compares with a Idaho average of +7.1% across its 197 places.
• Density rank: Ucon is the 76th most densely settled place in Idaho.
• Density vs Idaho: Ucon's 1,354 people per square mile compare with a state median of 1,026.
• Location: 43.5929, -111.9600 (US Census Bureau Gazetteer).
• Nearest larger cities: Iona (5 mi); Rigby (6 mi); Idaho Falls (8 mi); Ammon (8 mi); Shelley (17 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Nearest smaller towns: Lewisville (8 mi); Menan (9 mi); Ririe (10 mi) — useful context for the surrounding area.
• Smaller neighbours: 16 places smaller than Ucon sit within 50 miles.
• At 100 miles: 22 larger Census places fall inside that radius.

Where Ucon sits

Ucon's land area is roughly 0.9 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 1,354 residents per square mile. The state's population centre of gravity, Boise City, is roughly 214 miles away. Within 50 miles of Ucon there are 11 larger Census places. By land area it ranks 108th of 197 Idaho places.

Lender access in Ucon

At roughly 1,354 people per square mile, Ucon is moderately settled; 11 larger places lie within 50 miles. A Idaho licence lets a lender serve Ucon without a local office, so branch density does not change what its 1,235 residents are offered. For a larger market, the closest option is Iona, ID about 5 miles away.

Which Idaho laws govern a loan in Ucon

The rows below set out what a licensed lender must follow in Idaho, and so for Ucon's roughly 1,235 residents.

The Ucon borrowing checklist

Before you hand your details to a lender in Ucon, where the population is near 1,235:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Model the payment on the calculator before a lender models it for you.
3. Line up several pre-qualified offers and let the APR decide.
4. Verify the lender's Idaho licence with the regulator listed on this page.
5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
6. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Check that the monthly payment fits your budget next to your existing obligations.

None of these steps is Ucon-specific: the same Idaho licensing and disclosure rules reach all 1,235 residents.

How personal loans work in Ucon

Ucon is a small community of about 1,235 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 Ucon's rank of 76th in Idaho: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Ucon loan but raises total interest, so the smallest payment is not the cheapest loan.