Marsing at a glance
- Population: roughly 1,256 people; 75th of 197 places in Idaho (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 1,222 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: up about 2.8% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Idaho places: the 75th-largest of 197 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 62% of Idaho places in population terms (US Census Bureau).
- Coordinates: 43.5464 / -116.8104, per the US Census Bureau Gazetteer.
- Nearest larger cities: Homedale, ID (8 mi); Caldwell, ID (10 mi); Wilder, ID (10 mi); Nampa, ID (13 mi); Middleton, ID (15 mi); US Census Bureau population estimates.
- Nearest smaller places: Greenleaf, ID (9 mi); Notus, ID (12 mi); Melba, ID (18 mi) (US Census Bureau estimates).
What a personal loan costs in Marsing
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Idaho lending rules that apply in Marsing
The table lists the Idaho rules that apply to a loan made in Marsing, each with the regulator that published it.
| 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 Marsing
Before you share your details with a lender in Marsing:
- 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.