Greenleaf at a glance
- Population: the Census estimates 790 residents, ranking 104th of 197 places in Idaho (Vintage 2023).
- 2020 Census base: the 2020 Census recorded 812 residents here (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 2.7% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Idaho places: 104th largest of 197 (US Census Bureau).
- Size percentile: about 47% of places in Idaho are smaller (US Census Bureau).
- Coordinates: 43.6726 latitude, -116.8214 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Wilder, ID (4 mi); Homedale, ID (7 mi); Caldwell, ID (8 mi); Marsing, ID (9 mi); Parma, ID (10 mi) (US Census Bureau populations).
- Smaller places close by: Notus, ID (4 mi); Adrian, OR (13 mi); Melba, ID (25 mi) (US Census Bureau).
What a personal loan costs in Greenleaf
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Idaho lending rules that apply in Greenleaf
The table lists the Idaho rules that apply to a loan made in Greenleaf, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Greenleaf
Run through this list before signing anything in Greenleaf:
- 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.