Menan at a glance
- Population: 734 (US Census Bureau, Vintage 2023 subcounty estimate), the 106th-largest of 197 places in Idaho.
- 2020 Census base: 715 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: up roughly 2.7% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Idaho places: the 106th-largest of 197 (US Census Bureau, 2023 estimate).
- Size percentile: it is larger than about 46% of the places in Idaho (US Census Bureau).
- Coordinates: it sits at 43.7218, -111.9924 in the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Rigby, ID (5 mi); Ucon, ID (9 mi); Rexburg, ID (12 mi); Iona, ID (14 mi); Sugar City, ID (16 mi) (US Census Bureau populations).
- Nearest smaller towns: Lewisville, ID (2 mi); Roberts, ID (7 mi); Ririe, ID (13 mi) — US Census Bureau populations.
What a personal loan costs in Menan
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Idaho lending rules that apply in Menan
The Idaho rate caps and licensing rules that reach Menan are listed below, each with its source and retrieval date.
| 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 Menan
The steps below are worth completing first when you borrow in Menan:
- 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.