Payday Loans in Idaho

Payday Loans in Idaho

Need Money Fast?

Have you faced an emergency and need money here and now? Today, you can get the necessary amount without borrowing from friends and relatives. Applying for money online has become very popular in Idaho as it is super fast and secure.  Select a trustworthy lender and receive cash for any purpose on the same day. The most effective way to deal with financial problems is to get payday loans online Idaho state. There are many companies that are ready to lend money online. But be careful. Some of them may have hidden fees or be insecure. Let’s have a look at reliable lenders that can offer you the best loan products.

Best Payday Loans in Idaho

Here are some of the most popular lending companies in Idaho. Compare their limits, rates, and other important information to make a well-informed choice. All the payday lenders listed below are trusted companies with years of experience.


It’s a reputable money loan app that has been operating since 2013. During this period, the company has given a helping hand to hundreds of people in need. The company puts its clients first.

  • loan amount: from $100 to $1000. You can apply for other loan products to get up to $5000.
  • rates: About 400%
  • limits: the exact amount you can borrow depends on your personal information and the creditor.
  • loans terms: from 14-30 days.
  • requirements: you must have an ID, a valid banking account, and be older than 18. PayDaySay isn’t a lending agency. That’s why you need to check the requirements of the loan provider.

PaydaySay has a good rating on TrustPilot as it is a secure way to borrow money quickly. There are many positive reviews from satisfied clients who have already gotten financial help online. You can save time by applying via this service. They will find the most convenient option for you.


Moneytree lending service offers payday loans and other loan products on transparent conditions. Two brothers, the Bassfords, founded the company. They have been providing financial services for about 30 years and regularly improve the loan application process.

  • loan amount: On average, $100-$1000.
  • rates: APR ranges from 390% to 460%.
  • limits: You can get up to $1500 as this is a short-term lending service.
  • loans terms: the term is 14 -30 days.
  • online borrowing option: you can apply for the chosen loan product online within seconds.
  • requirements: basic requirements include having a checking account, being of legal age, and having some source of income.

Hundreds of borrowers trust this company. They say that it’s one of the most secure lending services where you can forget about hidden fees. So it’s worth visiting their site and checking all the options you need.

ACE Cash Express

It’s one of the reputable companies that offer help in no time. You can be sure that your application will be approved if you meet the basic requirements. This lender is customer-oriented and has professional customer support. It has been operating since 1968 and has a good reputation among borrowers.

  • loan amount: you can apply for Idaho payday loans online in the amount of $100-$1000 here.
  • rates: it depends on the amount you borrow and the term you want to get money for.
  • limits: if you apply for payday loans, you can’t get more than 1000$, but if you need a larger amount of money, you can get other financial products from this lender.
  • loan terms: from 14 to 30 days if it refers to short-term loans.
  • online borrowing option: yes, it is present here.
  • requirements: you should enter your personal information and wait for the approval. Then, just give your name, fill in the loan details, and provide your social security number.

It’s a good choice for those who take care of their safety and want to deal with a trusted lender. In addition, the company is a professional in this industry as it has much experience.


This company offers short-term loans with a simple application procedure. One of the distinctive features of this lender is that it makes it possible to change your mind within 5 days and give back money without paying fees.

  • loan amount: from $300 up to $1000. If you need a larger amount, you can apply for installment loans offered by the lender.
  • rates: it depends on your credit score, the loan amount, and the term. On average, it is about 500-600%.
  • limits: according to the ID law, you can borrow up to 1000$.
  • loan terms:  you need to pay back the money within one month. Otherwise, you will have to pay extra fees.
  • online borrowing option: it’s easy to provide all the information via your mobile.
  • requirements: a borrower should enter all the necessary information and have a social security number.

This company has a rating of 4.5 out of 5 on TrustPilot. Over 2500 satisfied customers are a decent reason to go to the site and pick the best option for you.

Cash Central

It’s a member of Community Choice Financial. They provide instant help to deal with emergency life situations and are loyal to customers. This is a licensed service where you can get money without bureaucracy and any trouble.

  • loan amount: from $100 to $1000 if we talk about short-term loans.
  • rates: the ANP is about 580%. For example, if you get 100$ and pay it back in 17 days, you will pay an extra 27$ for each 100$.
  • limits: borrow from $100 to $1000. In case you want to receive a larger loan, apply for long-term loans offered by the service.
  • loan terms: On average, it is from two weeks to one month. If you can’t repay the loan, the period can be prolonged for a certain fee.
  • online borrowing option: you can apply online within seconds.
  • requirements: provide the necessary information that includes your name, contact information, loan details, and your security number.

A reputable lender is always ready to give you a helping hand. Therefore, it’s worth your attention as you can apply for the necessary product 24/7 and deal with any issue immediately.

According to law, it is legal to apply for payday loans online in Idaho state. But there are certain limitations regarding the amount you can get. It is up to $1000. 3 rollovers are possible. Compared to other states, laws that refer to payday loan lending are more relaxed. A borrower can ask the lender to prolong the repayment period and be sure that criminal actions won’t be applied to them.  Everyone has a right to get fast financial help for any purpose: whether it is some emergency situation, a need to pay for unexpected medical bills, or something else. But you should remember that there are no limitations for charges in case you don’t pay back the loan. That’s why you need to treat the application process for payday loans online Idaho state responsibly.

Why Might You Need Idaho Payday Loans?

Idaho residents can enjoy many benefits from Idaho payday loans online. It’s the best way to solve financial problems within one business day. It’s an effective solution when you expect to get your salary in a couple of weeks. Payday loans online Idaho state are almost instant. When you need funds as quickly as possible, just choose a reliable lender and fill in the necessary information from the comfort of your home.  It’s possible to use online payday loans for different purposes. For example, don’t hesitate to go to payday lenders when you need to do your house repair, pay for medical bills, and deal with other urgent issues. So when should you apply for a payday loan to enjoy all its benefits? If you have a stable income and you know that you’ll be able to make a repayment in a week or so. Payday loans online Idaho state will make you financially independent. You don’t need to ask friends if they can borrow money. Instead, go to the lending service, choose the amount you need, and get cash the same day. It’s as easy as ABC.

Terms for Payday Loans in Idaho

Before you apply for short-term loans online, you need to understand the repayment term clearly. It’s from 14 days to 1 month. Is there any way to prolong the repayment term? Then, you should contact your payday lender and explain why you can’t pay back your Idaho payday loan online. Payday lenders in this state are more loyal than in some others. You can roll over your loan if you have faced an emergency that has prevented you from making a repayment. According to the law, there is no criminal punishment for repayment delays.

Loan Amounts

Applying for a small amount of money is recommended to repay it within a short period. The minimum amount is $100. There are limitations regarding the maximum amount of the Idaho payday loan online is $1000. As the ID law says, you can’t apply for a larger amount of money. You should consider other loan products if you need a larger amount of money. For example, business loans or installment loans. Their periods of repayment are longer, and their amounts are larger. So, set your goals and define which loan amount fits your current financial needs.

Loan Terms

Are you going to apply for an Idaho payday loan online? First of all, you need to learn everything about the repayment period. On average, it is from 14 days up to 1 month. But lending laws in ID are more loyal than in some other states. You can relax and pay back the loan when you can, as there are no definite loan term limitations. This means that you will be charged additional fees, but nobody will apply any criminal punishment to you.  However, you should treat the repayment period responsibly. Don’t think that you can apply for the maximum loan amount if you don’t have the possibility to pay the money back on time. Relaxed loan terms in ID don’t mean that you can get financial help and forget about the repayment period at all.

Loan Rates

The exact loan rate depends on the lender, the amount, and the term. On average, it varies from 230% up to 650%. Before you apply for Idaho payday loans online, check loan terms and rates. You can count on getting a loan at a more profitable rate if you have a high credit score. In case you are a bad credit borrower, you can apply for Idaho online payday loans, but you must be ready to pay a higher price for the loan.  Take into account that you will pay a higher APR if you delay your loan repayment. The smaller your amount and the shorter the term, the lower an APR is.

Pros and Cons of Payday Loans in Idaho

Payday loans can provide you with an opportunity to solve your financial issue on the same day. Idaho loans online are easy to access. You don’t need to give any type of collateral to get loans. The entire process takes place within seconds. You can apply for financial help by using a mobile app and receiving money directly to your credit card. Idaho state is more loyal to borrowers than any other state. That’s why you can be sure that you’ll be able to repay the money without any punishment.  Even if you can’t do this on time, don’t start panicking. You just need to turn to your payday lending company, and they will develop a new scheme for making repayments. Of course, you will need to pay extra fees, but nothing bad will happen to your score. What about the cons? The only con is that there is a limitation. According to the law, you can get up to $1000 only. Take into account that Idaho online payday loan isn’t cheap.

What will Idaho Payday Loan Cost?

Are you going to apply for an Idaho payday loan online? Before this, you should calculate the loan cost. An APR can vary from lender to lender. On average, it is from 250% to 650%. There are many factors that can affect the annual percentage rate. One of them is your credit score. If it is low, you are considered an unreliable borrower. So, how to find out the exact cost of your loan?  There are several steps you should make. First of all, take into account all the fees to the loan amount, including the interest. Then, divide by the amount of the loan. Next, calculate the term you want to borrow and multiply by 365 days. Finally, you need to multiply by 100 and find out the percentage. It’s how the process takes place. But most lenders provide the possibility to use an accurate calculator online that makes it easy to check the amount you need to repay.  You’ll have to fill in the amount you want to get and select the loan term. The final amount will be displayed instantly. Keep in mind that the longer your repayment term and the larger the amount is, the more expensive your loan is.

Idaho Payday Loans if the Credit Rating Is Poor

Getting an Idaho online loan is more difficult if your score is lower than 300. But there are companies that provide financial assistance to bad credit borrowers. You should be ready to pay a more expensive cost for a bad credit loan. Most lenders ask to give some evidence that a person is either employed or has another stable source of income. Some lenders can offer you only those loans that require collateral.  Online payday loans are unsecured. That’s why it is easier to get it if you have a good score. But don’t think receiving cash is impossible if you have damaged your credit history once. Just be ready to pay a higher price for your loan online.

What are Alternatives to Idaho Payday Loans?

Before you choose a loan, ask yourself: “What is your purpose?” “How much money do you need?” and “When can I make a repayment?” There are key questions that will help you to make the right choice.  An Idaho payday loan online isn’t the only option to apply for. There are installment loans that can be repaid in equal parts.

When should you look for some other types of loans? You know that a payday loan is a great option if you need money here and now. Don’t look further if the payday loan amount is sufficient to cover your needs. But if you want to be approved for a larger amount and repay it within a longer period, pick a long-term loan.  Do you plan to buy a car? Then, consider an auto loan. Are you going to move to a new house? You can get a mortgage. Do you want to start up a business? Business loans will fit your goal best.

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Frequently Asked Questions

Yes, if you want to get money quickly, forget any worries. The whole process is hassle-free and transparent. It’s worth getting loans here as ID is known as a loyal place. This means you can access financial help maximum easily.

Unfortunately, not. Firms that provide a helping hand take risks as payday loans are unsecured. According to the law, every company can decide what annual percentage rate they want to charge for their financial help.

It’s possible to get three loans in ID. But you are recommended to get as much money as you can pay back. Don’t be attracted by some companies’ low APR, as the amount you will need to repay won’t be cheap.

Yes, it is legal to apply for payday loans in ID state. Every citizen can apply for a loan as this doesn’t violate the law. So, don’t be afraid to pick the right option and receive the cash the same day.

Don’t start panicking if you can’t repay the money within the agreed period. Instead, it’s recommended to contact your lender and tell them what happened and when you will be able to make a repayment. They won’t sue you or take your property as this kind of loan is unsecured.

Yes, this can happen as the lender has the right to start a lawsuit. In this case, you can face garnishment of your salary. Pay it back within a short period and avoid this unpleasant procedure. 

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