Idaho Online Loans (2023) – Compare Payday Loans in Idaho

Compare Personal Loans in Idaho

Written by: Financer.com

Last updated: February 20, 2023

Financer.com helps you compare online loan rates in Idaho. Compare different loan options in Idaho and read more about the payday loan laws in the state.

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The Best Idaho Loans for December 2023

Borrow $1,000 for a period of 6 Months.

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Amount: $1,000 | Period: 6 Months

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We found 22 loans

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recommended

Chosen 1,204 times

5.0

Read 2 reviews

recommended

Chosen 1,204 times

Loan amount

$1,000

APR:

5.99% - 35.99%

Total Payment

$1,017.57

for 6 months

Monthly payback

$169.60

for 6 months

5.0

Read 2 reviews

Open right now

Get Started

Customer Type

All

Borrow up to

$5,000

Estimated Payback

03/06/2024

Weekend Payout

Age

2 Reviews

5.0

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

View Company Profile

recommended

Chosen 91,391 times

3.5

Read 35 reviews

recommended

Chosen 91,391 times

Loan amount

$1,000

APR:

5.99% - 35.99%

Total Payment

$1,017.57

for 6 months

Monthly payback

$169.60

for 6 months

3.5

Read 35 reviews

Open right now

Most chosen

Get Started

Customer Type

All

Borrow up to

$10,000

Estimated Payback

03/06/2024

Weekend Payout

Age

35 Reviews

3.5

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

View Company Profile

recommended

Chosen 31,936 times

4.9

Read 14 reviews

recommended

Chosen 31,936 times

Loan amount

$1,000

APR:

5.99% - 35.99%

Total Payment

$1,017.57

for 6 months

Monthly payback

$169.60

for 6 months

4.9

Read 14 reviews

Open right now

Get Started

Customer Type

All

Borrow up to

$35,000

Estimated Payback

03/06/2024

Weekend Payout

Age

14 Reviews

4.9

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

View Company Profile

Important

Please note that loan amounts, interest rates and other loan terms may vary according to your state and credit profile.

Show all 22 offers

How to Compare Loans in Idaho

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Complete the application

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As seen in

Best Rated Personal Loans

Find the best rated lenders for loans in Idaho

4.9

Based on 4 reviews

4.9

Based on 16 reviews

4.8

Based on 4 reviews

4.8

Based on 4 reviews

4.7

Based on 7 reviews

4.6

Based on 20 reviews

4.3

Based on 5 reviews

4.3

Based on 12 reviews

4.3

Based on 39 reviews

4.3

Based on 24 reviews

Idaho Payday Loan Laws

Idaho’s Payday Loan Act was amended in 2014, introducing new consumer protections for borrowers. The following guide shows how payday lenders are authorized to operate in this state.

The new provisions provide the following consumer protections:

A payday loan is restricted to 25% of a borrower’s gross income
The maximum loan amount is $1,000
A payday lender may only make one initial presentment for a check
Borrowers are allowed only one repayment extension request per year

If you experience difficulty repaying your Idaho installment loan, you may request for an extended payment plan. The extended payment plan allows a borrower 60 more day’s repayment period in 4 equal installments. This plan should not incur additional charges.

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The Advantages of Online Idaho Loans

Online Personal Loans Are Convenient

Get Funds As Soon As The Same Day

Apply Anywhere, Anytime

Less Paperwork Required

Importance of Idaho Cash Advance Regulations

The objective of the Idaho payday legislation was to save individuals from the debt cycle. Potential borrowers are able to know in advance the risks associated with payday borrowing prior to signing.

The availability of an extended payment plan is one of the provisions protecting consumers from such risks. Many residents of the state have thus benefited from various Idaho installment loans with flexible repayment terms.

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Idaho Payday Loan Regulations

Legal Status	Legal
Interest Rate (APR)	652%
Max. Loan Amount	$1,000 (or 25% of monthly income)
Min. Loan Term	Not specified
Number of Rollovers	3
Finance Charges	No limit
Statute of Limitations	5 Years

Updated July 8 2022

Limitations of Idaho Lenders

The payday Loan Act prohibits lenders from these activities:

Making a payday loan without being licensed by the department
Engaging in deceptive practices in advertising their business
Renewing a loan more than 3 consecutive times
Accepting any property as collateral aside from a post dated check
Imposing extra fee other than the agreed-upon finance charge

Get the Loan You Need

An online personal loan in Idaho can help when you need cash for large purchases or unplanned expenses.

Holiday

Wedding

Home Renovations

Bills

Shopping

Education

Who Regulates The Payday Companies?

The Idaho Department of Finance examines and regulates payday lending in the state. Borrowers are urged to fully educate themselves about their rights under the newly amended law.

It is always advisable to compare payday lenders as loan fees do vary and sometimes these are negotiable.

Why Compare Personal Loans at Financer.com

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Compare Idaho Loans at Financer.com

Financer.com helps you compare the best personal loans in Idaho and get the best loan rates from leading lenders.

We look for lenders that offer full transparency and have a long track record of successful lending and satisfied customers. We are always improving our comparisons, but are confident in what we can bring to market, and we know you will be as well.

Use our free loan comparison tool to find the right personal loan in Idaho and take the guesswork out of doing all the legwork yourself.

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