Personal loans in Mackay, ID

For a borrower among the roughly 480 residents of Mackay, a personal loan is a tool whose cost turns on the terms, not the address. To lend to Mackay's 480 residents, a company must hold a Idaho licence, and each sourced row below names the regulator behind it. Price two or three terms so you can see which payment is truly affordable in Mackay. The nearest larger metro is Arco, ID about 25 miles away.

The Mackay data picture

Mackay is a small community; the notes below cover its population profile and the statewide rules that apply.

• Population: 480 — Mackay ranks 132nd of 197 communities in Idaho (US Census Bureau, Vintage 2023).
• Population trend: Higher by roughly 8.1% since the 2020 count.
• Absolute change: 36 residents added between 2020 and 2023.
• Size percentile: Mackay's 480 people outrank roughly 33% of the places in Idaho.
• Population density: about 554 people per square mile across 0.9 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area rank: Mackay's 0.9 square miles rank 112th of 197 places in Idaho.
• Share of Idaho: Mackay holds about 0.0% of the state's population, some 480 people.
• National standing: Mackay ranks 13,331st of 19,457 US places.
• Growth rank: Mackay ranks 58th among Idaho's 197 places for the 2020-to-2023 change.
• Against the state trend: Mackay's 8.1% change compares with a Idaho average of +7.1% across its 197 places.
• Density rank: Mackay is the 151st most densely settled place in Idaho.
• Against the state median: Mackay runs about 554 residents per square mile, where the Idaho median is 1,026.
• Location: 43.9120 / -113.6127, per the US Census Bureau Gazetteer.
• Nearest larger cities: Arco (25 mi); Sun Valley (39 mi); Ketchum (41 mi); Hailey (44 mi); Bellevue (44 mi). Online lenders reach Mackay no matter how far the nearest branch is.
• Nearest smaller places: Moore (17 mi); Butte City (28 mi); Clayton (45 mi).
• Within a 50-mile radius: 3 smaller Census places.
• Within 100 miles: 39 places are larger than Mackay.

The anatomy of a Mackay personal loan

With roughly 480 residents, Mackay is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Mackay can be quoted different APRs on the same amount and term. Shortening the term on a Mackay loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Where Mackay sits

The Census Gazetteer records about 0.9 square miles of land within Mackay, with no significant water area listed. That land carries about 554 people per square mile. The largest place in Idaho, Boise City, lies about 132 miles away. Mackay has 6 larger places within a 50-mile radius. By land area it ranks 112th of 197 Idaho places.

Borrowing reach in Mackay

With about 554 residents per square mile, Mackay is moderately settled, and 6 larger Census places sit within 50 miles. Whether Mackay has a local branch or not, a Idaho-licensed lender can serve its 480 people online on the same terms. The nearest larger city, Arco, ID about 25 miles away.

Mackay against the rest of Idaho

Against Idaho's other places, Mackay accounts for about 0.0% of the state's population and ranks 132nd of 197 by size. For population change between 2020 and 2023, Mackay ranks 58th of 197 in Idaho (about the 71th percentile). Its roughly 554 residents per square mile place it 151st among Idaho's places. Within 50 miles sit 3 smaller Census places, alongside the 6 that are larger.

The state rulebook for Mackay

The rows below set out what a licensed lender must follow in Idaho, and so for Mackay's roughly 480 residents.