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Idaho Payday Loans - Direct Payday Loan Lenders in Idaho 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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Idaho Payday Loans
Web Rating
Loan Amount:
$100 – $1000

Ace Cash Express

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.

Direct Payday loan lenders in Idaho
Web Rating
Loan Amount:
$100 – $1,000

Lend Swiftly

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


Repayment Terms


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.

Idaho Payday Advance
Web Rating
Loan Amount:
$100 – $1000 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


Repayment Terms


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: –

• 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 payday loans

Payday Loans

in Idahoin Boise, IDin Meridian, IDin Nampa, IDin Idaho Falls, IDin Rexburg, IDin Eagle, IDin Moscow, IDin Ammon, IDIn Pocatello, IDIn Caldwell, IDin Twin Falls, IDin Post Falls, IDin Coeur d'Alene, IDin Lewiston, IDin Hayden, IDin Mountain Home, IDin Garden City, IDin Blackfoot, ID

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.

Understanding Idaho Payday Loans

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.

Requirements to Qualify for Payday Loans in Idaho?

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.

Are payday loans legal in Idaho?

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

Example Fees Chart for Idaho Payday Loans

Loan Amount Finance Charge Repayment APR (14 days)

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.

Other Loan Types That May Interest You in Idaho

Idaho Personal Loans

Idaho Title Loans

Idaho Payday Loan Laws


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.

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How to apply for a payday loan in Idaho?


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.

How to identify if a payday lender in Idaho is legit?


• 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.

How to file a complaint against a payday lender in Idaho

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

Frequently Asked Questions

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.