Personal loans in Cambridge, ID

Cambridge by the numbers

Most of what governs a Cambridge loan is written in Idaho law rather than in the city; the sourced notes below make that split concrete.

• Population: 353 — Cambridge ranks 145th of 197 communities in Idaho (US Census Bureau, Vintage 2023).
• Population trend: The 2020-to-2023 change is positive, near 5.4%.
• Net change: roughly 18 more people than the 2020 Census counted.
• Size percentile: Cambridge sits ahead of around 26% of Idaho places, at 353 people.
• Population density: about 729 people per square mile across 0.5 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area rank: Cambridge's 0.5 square miles rank 153rd of 197 places in Idaho.
• Water: Cambridge holds about 0.01 square miles, the 65th-largest water area in Idaho.
• State population share: Cambridge accounts for about 0.0% of everyone in Idaho.
• National standing: Cambridge ranks 14,563rd of 19,457 US places.
• Growth rank: Cambridge's 2020-to-2023 change ranks 97th of 197 places in Idaho.
• Against the state trend: Cambridge's 5.4% change compares with a Idaho average of +7.1% across its 197 places.
• Density rank: Cambridge places 130th among Idaho's places by people per square mile.
• Against the state median: Cambridge runs about 729 residents per square mile, where the Idaho median is 1,026.
• Location: 44.5717, -116.6781 (US Census Bureau Gazetteer).
• Nearest larger cities: Council (16 mi); Weiser (26 mi); Halfway (30 mi); Cascade (32 mi); Huntington (33 mi). Online lenders reach Cambridge no matter how far the nearest branch is.
• Nearest smaller places: Midvale (8 mi); Richland (28 mi); Donnelly (31 mi).
• Smaller neighbours: 4 places smaller than Cambridge sit within 50 miles.
• At 100 miles: 45 larger Census places fall inside that radius.

What to do before borrowing in Cambridge

Complete these steps first when you borrow in Cambridge (353 residents):

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Look the lender up in the Idaho regulator's licence records before you sign.
5. Be clear on what the loan is for and how it gets repaid.
6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

What differs between Cambridge and the rest of Idaho is not the process but the borrower's own file, among the 353 people here.

How lenders reach Cambridge

At roughly 729 people per square mile, Cambridge is moderately settled; 13 larger places lie within 50 miles. Lenders licensed in Idaho reach Cambridge's 353 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Council, ID about 16 miles away.

What shapes a Cambridge personal loan

In Cambridge, a small community of about 353, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Cambridge's 353 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Cambridge loan is knowable in advance — unlike a revolving card balance.

What Idaho law requires in Cambridge

This table holds the Idaho rate and licensing rules for consumer loans made to Cambridge's 353 residents.

Cambridge in state context

Against Idaho's other places, Cambridge accounts for about 0.0% of the state's population and ranks 145th of 197 by size. Its 2020-to-2023 change ranks 97th of 197 Idaho places, putting it near the 51th percentile for growth. Its roughly 729 residents per square mile place it 130th among Idaho's places. Within 50 miles sit 4 smaller Census places, alongside the 13 that are larger.