Payday Loans in Idaho (ID)

Are you suffering from financial stress? We have listed all lenders that offer you qucik cash in Idaho for you to choose from. Just have a look of the list and pick out the one that meets your needs.

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    15 Best Payday Loans & Cash Advance in Idaho (ID)

    We present you with a list of all lenders who can offer a loan for you in Idaho. To get the fast money you need, please have a carefull review of the list and see whether these lenders meet your requirements.

    • 5.0
      AllStarAllStarAllStarAllStarAllStar
      (1383)
      • Address:
      • 10250 W Fairview Ave, Boise, ID 83704
      • Phone:
      • (208) 615-8714
      • Open hours:
    • 4.9
      AllStarAllStarAllStarAllStarHallStar
      (535)
      • Address:
      • 6213 N Cloverdale Rd #100, Boise, ID 83713, United States
      • Phone:
      • +1 208-378-0200
      • Open hours:
    • 4.9
      AllStarAllStarAllStarAllStarHallStar
      (381)
      • Address:
      • 382 Caldwell Blvd, Nampa, ID 83651, United States
      • Phone:
      • +1 208-463-9200
      • Open hours:
    • 4
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (205)
      • Address:
      • 536 Blue Lakes Blvd N, Twin Falls, ID 83301, United States
      • Phone:
      • +1 208-734-0057
      • Open hours:
    • 5
      4.9
      AllStarAllStarAllStarAllStarHallStar
      (256)
      • Address:
      • 3920 W 5th Ave # A2, Post Falls, ID 83854, United States
      • Phone:
      • +1 208-457-1433
      • Open hours:
    • 6
      4.9
      AllStarAllStarAllStarAllStarHallStar
      (233)
      • Address:
      • 1725 E 17th St, Idaho Falls, ID 83404
      • Phone:
      • (208) 524-5680
      • Open hours:
    • 7
      4.8
      AllStarAllStarAllStarAllStarHallStar
      (249)
      • Address:
      • 3163 E Fairview Ave Suite 155, Meridian, ID 83642
      • Phone:
      • (208) 893-2330
      • Open hours:
    • 8
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (154)
      • Address:
      • 740 N Cecil Rd #114, Post Falls, ID 83854, United States
      • Phone:
      • +1 208-773-6228
      • Open hours:
    • 9
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (152)
      • Address:
      • 760 Blue Lakes Blvd N Ste 2, Twin Falls, ID 83301, United States
      • Phone:
      • +1 208-736-1948
      • Open hours:
    • 10
      4.9
      AllStarAllStarAllStarAllStarHallStar
      (181)
      • Address:
      • 5800 W Fairview Ave, Boise, ID 83704, United States
      • Phone:
      • +1 208-322-4499
      • Open hours:
    • 11
      4.6
      AllStarAllStarAllStarAllStarHallStar
      (460)
      • Address:
      • 1855 Flandro Dr, Pocatello, ID 83202, United States
      • Phone:
      • +1 208-237-2700
      • Open hours:
    • 12
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (145)
      • Address:
      • 465 Yellowstone Ave Ste B, Pocatello, ID 83201, United States
      • Phone:
      • +1 208-234-9000
      • Open hours:
    • 13
      4.8
      AllStarAllStarAllStarAllStarHallStar
      (207)
      • Address:
      • 732 Caldwell Blvd Ste B, Nampa, ID 83651, United States
      • Phone:
      • +1 208-463-8900
      • Open hours:
    • 14
      4.9
      AllStarAllStarAllStarAllStarHallStar
      (163)
      • Address:
      • 181 Blue Lakes Blvd N, Twin Falls, ID 83301, United States
      • Phone:
      • +1 208-244-3501
      • Open hours:
    • 15
      4.9
      AllStarAllStarAllStarAllStarHallStar
      (162)
      • Address:
      • 575 E Alameda Rd, Pocatello, ID 83201, United States
      • Phone:
      • +1 208-234-0440
      • Open hours:
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    Idaho Payday Loans Regulations

    • Loan Amount (max)

      $1000

    • Loan Term (max)

      Not specified

    • Finance Charges

      No Limit

    • APR
      652%

    Industry regarding payday loans in Idaho is Legal. The state imposes a $1000 amount limit offered by the lenders. Lenders in this state can offer a payday loan for a period of not longer than Not specified. The maximum finance charge is No Limit, and the APR is 652%.3 rollovers are allowed according to the law.

    Payday Loan Amount Limit in Idaho

    In Idaho, payday loan lenders are not allowed to provide loans that exceed $1,000 in amount. However, the number of loans a person could possess is not limited. One may obtain multiple loans as he requires at a time, but the total amount borrowed should not be less than $1,000.

    Borrowers are not allowed to have outstanding payday loans that are more than 25% of his/her gross monthly income.

    Loan Terms Regulations in Idaho

    Payday loans in Idaho can be taken out for any length of time as there are no limits on minimum or maximum loan term.

    Payday Loan Interest Rates, Fees & Charges in Idaho

    The interest rate or actual annual percentage rate(APR) for payday loans in Idaho can be as high as 652%.

    Payday lenders in Idaho are able to charge any fees and interest rate for payday loans, as long as the borrower and the lender agree on these terms. All of this, as well as all facts about the transaction itself (amount, fees, interest, APR, and so on), should be made known to a borrower prior to a loan transaction, and the latter should be indicated in the payday loan documents accordingly.

    According to Idaho Code, SECT28-46-412, the fees charged for each payday loan is not limited. Such fee shall be considered completely earned as of the transaction date and shall not be considered interest for any legal purposes. Except as expressly provided in the act, no other fee or charge may be levied or collected for a payday loan.

    Cost of a $100 Payday Loan in Idaho:

    With a 14 days term:

    APR: 652%

    Loan cost: $100*652%*(14/365) = $25

    To return: Principal + Loan cost = $100+$25 = $125

    Consumer Information

    It is recommended to examine the licensure of delayed deposit originators (payday lenders) in Idaho using the license search page by Idaho Department of Finance.

      • In Idaho, it is not allowed to take out another payday loan from the same lender to pay off an existing obligation.
      • Idaho laws prohibit lenders from accepting any property or other type of security for a payday loan, otherwise they could be held accountable.
      • Borrowers are granted no more than 3 rollovers in a row. This is the point at which a loan must be paid back. Apart from the specified finance charge, lenders are not allowed to apply any further fees or charges.
      • In Idaho, any criminal actions against borrowers are not allowed.
      • The non-sufficient funds cost should not surpass $20, and the unpaid amount should be subject to a 12% interest per annum (if disclosed).

    The Idaho Department of Finance is in charge of everything relating to payday lending in the state of Idaho. You can contact them if you have any questions or complaints.

    Search for Payday Loans in Idaho by Key Cities

    To locate an online payday loan in Idaho, the most effortless way is working with WeLoans. Just click on your target city below. Our overall deatils will allow you to make the best deal!

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    Calculator for Idaho Payday Loans Estimate

    Utilize the calculator below to keep yourself informed about the estimated total costs of a payday loan in Idaho.

    Estimated Payment

    $ null

    • Total Principal Paid:$ 1,000.00
    • Finance charge:$ 255.62
    • APR: 311.00 %

    Payment Breakdown

    Idaho Payday Loans Nearby

    Idaho Title Loans, Inc.
    4.9
    AllStarAllStarAllStarAllStarHallStar
    (143)
    Loan agency
    Northwest Title Loans
    4.9
    AllStarAllStarAllStarAllStarHallStar
    (136)
    Loan agency
    Vista Pawn State St
    4.8
    AllStarAllStarAllStarAllStarHallStar
    (161)
    Pawn shop