DirectLendersList.com is a comprehensive comparison platform and your go-to resource for accessing Idaho payday loans, offering a list of reputable direct lenders and loan marketplaces tailored to diverse financial needs. With a solid commitment to transparency and convenience, borrowers can confidently navigate and effortlessly browse, compare, and apply for payday loans, knowing they have access to trustworthy lenders.
Our platform, DirectLendersList, provides Idaho residents with a simplified lending process by offering clear and concise information about lenders, loan terms, and fees. Whether you require a small loan for unexpected expenses or a larger sum for bills, our platform allows you to compare lenders prioritizing fair terms and responsible lending practices. This enables you to make informed decisions and have peace of mind.
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Our website is an informative comparison site committed to providing users with helpful information about various products and services that match their needs. Because of the advertising compensation we receive from brands and service providers, we can provide this service for free. Advertising income, product popularity, and our subjective experience and procedures may all impact the placement and position of brands on our site and its pages. It is important to remember that the brand overview is provided "as-is," with no guarantees or warranties, and should not be interpreted as an endorsement. We try to keep the information up-to-date, but the terms of offers may change at any time.
Disclaimer: Opinions, overviews, analyses, and recommendations are solely those of the author and haven't been reviewed, endorsed, or approved by any insurance, loan, or credit card issuers.
Ace Cash Express operates as a direct lender licensed by the Idaho Department of Finance, providing access to payday loans in Idaho while fully complying with regulations.
APR Range
Up to 651.79%*
Repayment Terms
9 to 35 days
Funding Time
Next business day*
To initiate an application for an Ace Cash Express payday loan, you’ll be required to furnish the following details:
⇒ Your complete legal name
⇒ Your current residential address
⇒ A valid and active email address
⇒ Your primary contact phone number
⇒ Either your Social Security Number or a valid ITIN
⇒ Documentation validating a consistent income source, such as pay stubs, retirement pensions, disability benefits, self-employment earnings, or any other verifiable income stream.
⇒ Proof of an active bank account in operation for at least one month.
• Company Name: – Ace Cash Express
• Loan Type: – Payday Loans
• State: – Idaho
• Serviced As: – Direct Lender
• Minimum Amount: – $100
• Maximum Amount: – $1000
• Loan Term: – 9 to 35 days
• Funding Time: – As soon as the next working day*
• APR range: – Up to 651.79% (Varies on the term)
• Fees: – Late payments and returned payments may incur additional fees.
APR Range Example
A $200 loan with a $50.00 fee results in a total amount of $250.00, equating to an APR of 651.79% for a 14-day period.
Lend Swiftly operates as a lender connecting platform specializing in payday loans, connects borrowers to a network of trusted lenders in Idaho, and simplifies the borrowing process.
APR Range
Varies*
Repayment Terms
Varies
Funding Time
Next working day*
⇒ Applicant must meet the minimum age requirement of 18 years or older.
⇒ Demonstrate stable and verifiable income.
⇒ Recent pay stubs as proof of income.
⇒ Must have an active bank account.
⇒ Present a valid government-issued ID for verification purposes.
⇒ Provide an active and valid email address and phone number for communication.
• Company Name: – Lend Swiftly
• Loan Type: – Online Payday Loans
• State: – Idaho
• Serviced As: – Lender Connecting Service
• Minimum Amount: – $100
• Maximum Amount: – $1,000
• Loan Term: – 10 to 90 days (Varies based on the lender and State Laws)
• Funding Time: – As early as the next business day* (Varies depending on the lender)
• APR range: – (APR) will be disclosed upon approval based on loan amount and term.
• Fees: – Fees determined by the lender and state laws.
Your lender or financial service provider will determine the loan term, fees, and interest rates.
CashAdvance.com acts as a lender connection service, enabling swift access to payday cash advance loans in Idaho via its broad network of direct lenders. Borrowers can efficiently explore and discover personalized financial options through the platform.
APR Range
Varies
Repayment Terms
Varies
Funding Time
Following business day*
⇒ Age Eligibility: Applicants must be 18 years of age or above.
⇒ Income Verification: Proof of a steady income stream.
⇒ Employment Tenure: Minimum employment duration of 90 days.
⇒ Banking Prerequisite: Maintain an active checking account.
⇒ Consent for Verification: Agree to undergo employment verification procedures.
⇒ Contact Details: Provide accurate home and work telephone numbers.
⇒ Email: Ensure possession of an active and valid email address.
• Company Name: – CashAdvance.com
• Loan Type: – Cash Advance Online
• State: – Idaho
• Serviced As: – Lender Connecting Platform (Not a Direct Lender)
• Minimum Amount: – $100
• Maximum Amount: – $1000
• Loan Term: – Varies
• Funding Time: – As quick as the next business day* (Varies by the lender)
• APR range: – Varies
• Fees: – Disclosed by the lender on approval.
Your lender or financial service provider will determine the loan term, fees, and interest rates.
Idaho is a state filled with exquisite landscapes and lively communities, offering various opportunities to its residents. However, similar to other places, Idaho residents may sometimes encounter financial challenges. In such situations, Idaho payday loans can be a lifesaver.
In the digital age, online payday loans have become a convenient option for those requiring immediate and short-term financial assistance. These loans offer residents of Idaho a hassle-free and easily accessible way to bridge financial gaps until their next payday, which can be particularly beneficial in case of unexpected expenses or emergencies. Let’s explore the world of payday loans in Idaho, getting familiar with their nuances, regulations, advantages, and considerations.
Payday loans, sometimes called cash advances, are short-term loans intended to provide borrowers with quick access to funds until their next payday. In Idaho, these loans can be a helpful solution for individuals who are experiencing temporary financial difficulties. Depending on their income and other factors, borrowers can typically request loan amounts that range from $100 to $1,000.
To be eligible for a payday loan in Idaho, the borrower must meet specific criteria. While lenders may have varying requirements, here are the standard prerequisites to qualify:
• Age: Borrowers must be at least 18 to qualify for a payday loan in Idaho.
• Proof of Income: Lenders typically require borrowers to demonstrate a consistent source of income, which can include employment income, government benefits, or other forms of verifiable income.
• Active Bank Account: Borrowers must have an active checking account, which will serve as the deposit and repayment source for the loan.
• Residency: Borrowers are usually required to be residents of Idaho to qualify for a payday loan in the state.
• Identification: Borrowers must provide a valid form of identification, such as a driver’s license or state-issued ID, to verify their identity.
• Contact Information: Borrowers must provide valid contact details, including a phone number and email address.
Yes, payday loans are legal in Idaho, and the state has implemented laws and regulations to govern the payday lending industry and safeguard consumers. Idaho Statutes Title 28, Chapter 46 explicitly regulates deferred deposit loans, commonly referred to as payday loans. These laws provide guidelines for payday lenders to operate in the state, which includes licensing requirements, loan terms, fees, and borrowing limits.
The regulatory framework that oversees payday loans in Idaho comprises several essential provisions:
• Maximum loan amount: $1,000 (or 25% of gross monthly income whichever is less)
• Loan term: Not Specified (Usually 14 to 31 days)
• Fee cap: Not Specified
• Maximum APR: Not Specified (APR for payday loans in Idaho can reach 652%*)
• Rollovers: No more than three (3) consecutive times
• Loan limitation: Not Specified
| Loan Amount | Finance Charge | Repayment | APR (14 days) |
|---|---|---|---|
$300 | $75.00 | $375.00 | 652% |
$500 | $125.00 | $625.00 | 652% |
The Idaho Department of Finance does not impose any limits on finance charges for payday loans. As a result, the Annual Percentage Rate (APR) can go up to 652%. The representative examples provided for a 14-day term are only for illustrative purposes and serve as a typical payday loan example for qualified applicants. If approved for a payday loan, your loan agreement’s specific rates and terms will depend on your qualifications.
Legal Status and Borrowing Limits:
In Idaho, payday lending is permitted by law, and the Idaho Credit Code (Idaho Code Ann. § 28-46-401 et seq.) outlines the regulations. The maximum loan amount the state allows is $1,000 or 25% of the borrower’s gross monthly income, whichever is less.
Regulations and Licensing:
The payday loan industry in Idaho is regulated by the Department of Finance, which requires lenders to obtain a license and adhere to disclosure requirements.
Interest Rates and Fees:
In Idaho, the regulations governing payday loans do not impose any specific limits on interest rates and fees that lenders can charge. This means lenders are free to charge fees and interest rates that they believe are reasonable and appropriate. Therefore, borrowers should be cautious and carefully examine the terms and conditions of their loan agreements to determine the total cost of borrowing.
Loan Terms and Rollovers:
Idaho’s regulations do not set any fixed loan terms for payday loans, meaning lenders can decide on the loan duration at their discretion. Moreover, borrowers in Idaho are allowed to roll over their loans up to three times, which extends the loan duration if required. However, borrowers should keep in mind that each rollover may result in additional finance charges that can increase the overall cost of the loan.
Consumer Protections:
Idaho prohibits criminal actions against borrowers and requires lenders to comply with the Truth in Lending Act. The State Department of Finance is responsible for overseeing payday lending activities and addressing any consumer complaints. To avoid falling into debt traps, borrowers must carefully evaluate their financial situation and avoid excessive borrowing.
• Loans starting from $100 – $5,000
• Online network of lenders
• Online form takes under 5 minutes.
• Loans between $500 and $35,000
• Large lenders network
• Fast approval decision
Research and Choose Wisely: Conduct thorough research to identify reputable payday lenders in Idaho. Look for lenders with a solid reputation, favorable customer reviews, and transparent terms. Comparing multiple direct lenders will help you find the best fit for your needs.
Understand Eligibility Requirements: Before applying, carefully review the eligibility criteria set by the lender. Typically, you’ll need to be at least 18 years old, have a consistent source of income, and provide proof of identification and residency.
Prepare Documentation: Gather all necessary documents before applying, such as a government ID, recent pay stubs, bank statements, and proof of residency. Having these documents ready will streamline the application process.
Complete the Application: Once you’ve chosen a lender, complete the loan application thoroughly and accurately. Provide all requested information, ensuring it aligns with your prepared documentation. Double-check for any errors before submission.
Submit Your Application: Upon completing the application, submit it with the required documentation. If applying online, you might need to upload digital copies of your documents. Follow the lender’s instructions carefully to avoid any delays.
Await Approval: After you submit your application and the necessary documents, the lender will review them to determine your eligibility. Many lenders offer instant approval processes, so you can usually expect a prompt response.
Review Loan Terms Carefully: If approved, review the terms of the loan agreement carefully, including loan amount, interest rate, fees, and repayment terms. Understand all aspects before proceeding.
Sign the Agreement: After you review and agree to the loan agreement terms, you can sign it electronically or in person, depending on the lender’s procedures. By signing the agreement, you confirm your commitment to repay the loan according to the agreed-upon terms.
Receive Your Funds: After signing the agreement, funds are generally deposited into your designated bank account within one business day. Some lenders may offer same-day funding options for added convenience.
Benefits of Idaho Payday Loans:
Idaho payday loans can be an excellent solution for short-term financial difficulties. One of the most significant benefits of these loans is that borrowers can obtain funds quickly. Unlike traditional bank loans that take a long to get approved, payday loans typically provide same-day or next-day funding. This means borrowers can receive the money they need to address urgent financial issues promptly. Moreover, payday loans are more accessible to people with less-than-perfect credit, as lenders primarily consider income and employment status rather than credit history.
Considerations for Borrowers:
Payday loans can provide immediate financial relief, but borrowers should exercise caution by assessing their options and understanding the costs involved. These loans typically carry higher interest rates and fees than standard bank loans, making them a more expensive borrowing option. Borrowers should only take out the money they need and ensure they can repay the loan on time to avoid additional charges and potential financial stress.
• Verify Licensing: Check if the lender is licensed by the Idaho Department of Finance.
• Research Reputation: Look for reviews and ratings to gauge the lender’s trustworthiness.
• Review Website: Ensure the website provides clear terms, fees, and contact information.
• Check Security Features: Confirm the website has SSL encryption for secure transactions.
• Avoid Upfront Fees: Legitimate lenders won’t ask for fees upfront; be cautious if they do.
• Read Terms Carefully: Scrutinize the loan agreement for hidden fees or unclear terms.
• Trust Your Instincts: If anything seems suspicious, trust your gut and explore other options.
Following these steps, you can confidently identify legitimate payday lenders in Idaho and safeguard yourself from scams or unscrupulous practices.
If you encounter issues with a payday lender in Idaho, you can file a complaint through the appropriate channels. Here’s how to do it:
Contact the Lender: Initially, try resolving the issue directly with the lender. Communicate your concerns clearly and document all interactions, including dates and times.
File a Complaint with the Idaho Department of Finance: If you’re unable to resolve the issue with the lender, you can file a complaint with the Idaho Department of Finance. You can do this online through their website or by contacting them directly by phone or mail.
Provide Details: For an effective complaint, provide specific details about the issue, including dates, names of representatives involved, and any relevant documentation or evidence you possess.
Cooperate with Investigations: The Department of Finance will investigate the matter once you file a complaint. Cooperate fully with their investigation and provide any additional information or documentation they request.
Seek Legal Assistance: If required, consider seeking legal aid from a consumer protection attorney. They can brief you on your rights and options for recourse.
Consumer Complaint
Idaho Department of Finance
800 E Park,
Blvd #200 Boise, ID 83712
Phone: 888-346-3378 (toll free)
For registering complaints online. Click to submit complaint
Most frequently asked questions about Idaho payday loans
Yes, payday lending is legal in Idaho.
The maximum loan amount in Idaho is either $1,000 or 25% of gross monthly income, whichever is less.
Borrowers must be at least 18, have a regular income source, and provide valid identification and contact information.
Fees and interest rates vary by lender but can be high. The average APR for payday loans in Idaho can reach up to 652%.
Idaho law allows borrowers to roll over their payday loan up to three times.
LendingPoint Personal Loan Disclosure
* Applications submitted on this website may be funded by one of several lenders, including: FinWise Bank, a Utah-chartered bank, Member FDIC; Coastal Community Bank, Member FDIC; Midland States Bank, Member FDIC; and LendingPoint, a licensed lender in certain states. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms and annual percentage rates (“APR”) may vary based upon LendingPoint’s proprietary scoring and underwriting system’s review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees up to 10% may apply depending upon your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Loans are offered from $1,000 to $36,500, at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 72 months. Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and Hawaii, $2,000. For a well-qualified customer, a requested loan of $10,000 serviced by LendingPoint over a period of 48 months that has an APR of 26.59% with an origination fee of 10% may have a payment of $340.52 per month. (Actual terms and rate depend on credit history, income, and other factors.) The total amount due under the loan terms provided is $16,345.12 and the disbursal amount is $10,000. In the example provided, the total financed amount is increased to receive the full requested loan amount after the origination fee is deducted. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.
SoFi Personal Loan Disclosure
Fixed rates from 8.74% APR to 35.49% APR reflect the 0.25% autopay interest rate discount and a 0.25% direct deposit interest rate discount. SoFi rate ranges are current as of 11/12/25 and are subject to change without notice. The average of SoFi Personal Loans funded in 2022 was around $30K. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors.
Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-7%, which will be deducted from any loan proceeds you receive.
PERSONAL LOAN INTEREST RATES AND FEES | ELIGIBILITY AND IMPORTANT DETAILS. Annual percentage rates (APRs) shown include the 0.25% autopay discount. If approved for a loan, the rates and terms offered will depend on things like creditworthiness, the length of the loan, and other factors, and will fall within the range of rates available by applicable loan term; check out our full APR examples and terms. Remember, not all applicants will qualify for the lowest rate. Want to learn more? See our eligibility criteria at SoFi.com/eligibility-criteria. SoFi reserves the right to change interest rates at any time without notice, changes would only apply to applications begun after the effective date of the change.
Fixed Rates: Fixed rates range from 8.74% APR to 35.49% APR (with autopay). The SoFi 0.25% autopay interest rate reduction requires you to agree to make your scheduled monthly payments by an automatic monthly deduction (ACH) from a savings or checking account. Enrolling in autopay is not required to receive a loan from SoFi. Loan Terms: SoFi Personal Loans offer loans with a period of repayment between 2 and 7-year terms. Loan Fees: SoFi personal loans have no fees required; specifically, no origination fees required, no late fees, no prepayment penalties.
PERSONAL LOAN | REPAYMENT EXAMPLE. The following example depicts the APR, monthly payment and total payments during the life of a $30,000 personal loan with a 2-year repayment term, a 0.25% autopay discount, and a fixed rate between 8.74% APR to 35.49% APR. It works out to 24 monthly payments ranging from $1,356.68–$1,529.07 for a total amount of payments ranging from $32,560.37–$36,697.76. This repayment example assumes that the borrower is signed up for autopay and that all payments are made on time, with no pre-payments. Actual rates may vary based on repayment term, loan amount, creditworthiness, and other terms and conditions. SoFi does not offer variable rate personal loans. State restrictions may apply.
Universal Credit Personal Loan Disclosure
Upstart Personal Loan Disclosure
Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state: GA ($3,100), HI ($2,100), MA ($7,000).
Although educational information is collected as part of Upstart’s rate check process, neither Upstart nor its bank partners have a minimum educational attainment requirement in order to be eligible for a loan.
If you accept your loan by 5pm EST (not including weekends or holidays), you will receive your funds the next business day. When the funds will be available to you will depend on your bank’s transaction processing time and policies.
The full range of available rates varies by state. A representative example of payment terms for an unsecured Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 60 months, with an interest rate of 20.10% and a 8.53% origination fee of $853, for an APR of 24.65%. In this example, the borrower will receive $9,147 and will make 60 monthly payments of $267. APR is calculated based on 5-year rates offered in June 2025. There is no downpayment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.
Upgrade Personal Loan Disclosure
Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.74%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade’s bank partners.
DirectLendersList is not a review site; instead, it provides a comprehensive overview of financial products and services and incorporates the Web Rating feature to assist users in making informed decisions.
Web Ratings are important to consider when deciding on financial products or services. These ratings provide insights into the customer experience and serve as a helpful metric for assessing the quality of specific lenders, loan marketplaces, banks, or credit card issuers.
At DirectLendersList, our internal team takes the initiative to prepare web ratings for various financial products and services. These ratings are compiled using multiple channels to gather data from across the web, including customer feedback, ratings from reputable customer review sites, industry reputation, and other relevant data sources. Utilizing these diverse sources of information aims to provide users with a comprehensive and well-rounded assessment of the financial product or service.
The collected data is then utilized to calculate an average web rating, typically on a scale of 1 to 5, reflecting the overall customer satisfaction and experience associated with the specific offering. It is important to emphasize that these ratings are independently prepared by the DirectLendersList internal team and have not been influenced or approved by advertisers. This ensures the ratings remain objective and unbiased, providing users with reliable information to aid their decision-making process.
Our website is an informative comparison site committed to providing users with helpful information about various products and services that match their needs. Because of the advertising compensation we receive from brands and service providers, we can provide this service for free. Advertising income, product popularity, and our subjective experience and procedures may all impact the placement and position of brands on our site and its pages. It is important to remember that the brand overview is provided “as-is,” with no guarantees or warranties, and should not be interpreted as an endorsement. We try to keep the information up-to-date, but the terms of offers may change at any time.
Disclaimer: Opinions, overviews, analyses, and recommendations are solely those of the author and haven’t been reviewed, endorsed, or approved by any insurance, loan, or credit card issuers.
