Grand View at a glance
- Population: the Census estimates 465 residents, ranking 134th of 197 places in Idaho (Vintage 2023).
- 2020 Census base: 443 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: population rose about 5.0% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Idaho places: 134th largest of 197 (US Census Bureau).
- Size percentile: about 32% of Idaho's Census places are smaller (US Census Bureau).
- Coordinates: 42.9851 / -116.0937, per the US Census Bureau Gazetteer.
- Nearest larger cities: Mountain Home, ID (22 mi); Melba, ID (35 mi); Glenns Ferry, ID (40 mi); Kuna, ID (40 mi); Boise City, ID (43 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Jordan Valley, OR (49 mi); Bliss, ID (58 mi); Placerville, ID (67 mi), each a US Census place.
What a personal loan costs in Grand View
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Idaho lending rules that apply in Grand View
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Idaho 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 |
| Idaho Credit Code finance-charge rule | No statutory maximum finance-charge rate — rate as agreed by the parties (Idaho Credit Code) Source says: "the rate of finance charge shall be that which is agreed upon between the parties to the transaction". | Idaho State Legislature 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 status | Permitted 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 licensing | Regulated 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 |
How to compare offers in Grand View
Run through this list before signing anything in Grand View:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Idaho using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.