Online payday loans Idaho
Online payday loans Idaho

Online Payday Loans in Idaho

  • All credit scores allowed
  • No strict credit check
  • Flexible terms & conditions
  • Lowest interest rate
  • Trusted loan providers
  • Instant approval decision
  • No additional fees
  • Payday Loans Near Me

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Payday Loans for Idaho Residents

Today, Idaho consumers can apply for payday loans online from direct lenders. Credit checks are only performed on all consumers who sign up on our website. If you live in Idaho, you can decide with immediate approval to get the best online payday loan in Idaho.

Interest Rates and Fees for Idaho Payday Loans

The borrowers are allowed to get payday loans (up to $1000). Higher amounts are available if they apply for installment loans ($1,000 – $5,000) and personal loans ($5,000 – $35,000). The legal status of these loans is proved by the Idaho Credit Code (Idaho Code Ann. § 28-46-401 et seq.)1 the Idaho Department of Finance and doesn’t have either APR (annual percentage rate) and other additional fees.

There are no limitations on the number of simultaneous loans, but their total amount shouldn’t exceed $1000. It is allowed to have three rollovers or renewals and a repayment plan for at least 60 days. Also, you may pay a $20 NSF (non-sufficient funds) fee.

Example APR and Fee Schedule

As we said before, there is no limit for APR, but there are some fees you should pay in Idaho to borrow money. See the table below with representative examples for the 30-day term. It is only for illustrative purposes and provides an example of a typical payday loan to qualified applicants. If you are approved, the specific rates and terms of your loan agreement will depend on your qualifications.

Amount Borrowed Fees APR Amount Due
$300 $118.87 386.39% $418.87
$500 $198.1 386.40% $698.1
$700 $277.36 386.50% $977.36
$1,000 $396.2 386.60% $1,396.2

What Are the Alternatives for Fast Payday Loans in Idaho?

1-hour online payday loans Idaho
Most of our loan partners offer more choices to borrowers. When you need extra cash to cover unforeseen expenses, consider ID installment loans. The minimum amount for an installment loan is $1,000, but the maximum amount is $5,000. Lenders can set up monthly payments for two months and 24 months. The lowest APR is 6.63%, but Idaho law does not state the highest value. You can use these cash advances with monthly payments to cover more considerable expenses like home improvements, medical bills, and more.

Requirements for a Quick Payday Loan in ID

To qualify for a payday loan in Idaho, you must meet the following requirements:

  • You must be at least 18 years old and show a valid ID to prove it;
  • You must have a stable source of income. It is recommended to work at least three months before applying for a loan. In addition, some lenders require a minimum monthly salary of at least $1,000;
  • You must have an active bank account;
  • You must provide accurate contact information (home address, phone number, email address);
  • You must be a US citizen or permanent resident.

If you have a stable job and can apply for a payday loan from a direct lender, your chances of obtaining approval will be greater. But unemployed people with regular income are also eligible. For example, a disabled person receiving social welfare can try to apply for a loan. Single parents who do not have a job but have alimony also have the opportunity.

Applying Steps for Online Payday Loans from Direct Lenders in Idaho

Anyone can easily apply for small payday loans online with 1FirstCashAdvance. Just follow the three simple steps:

  1. Submit your loan application. Fill in the details. There is no fax involved. You don’t have to look for shops that are open on weekends. Apply online when it suits you. Your data is safe with us. We protect your data during the application process.
  2. Get approval. Once your information is submitted, we will share it with trusted direct lenders that are licensed and rated to operate in the state of Idaho. If the answer is positive, the lender will send you an offer by email – no hassle, no on-demand or post-marketing calls. As a potential customer you can ask additional questions about the payment, ask for samples.
  3. Receive your money within one business day. Direct lenders understand that most of their customers need money quickly, sometimes within an hour. For this reason, they do their best to expedite the processing of requests. On average, they deposit the money the next business day.

It’s that simple! The whole process is just as simple as applying for fast cash loans in Minnesota. Complete your loan application now if you are struggling with a financial emergency. Please note that a cash advance can be used to meet short term financial needs. However, it is no match for clients looking to achieve their long-term financial goals.

No Credit Check Payday Cash Advances in ID

Most lending companies in Idaho will not perform rigorous credit checks on borrowers through the three major credit bureaus. The alternatives they use are called “flexible credit checks” because of their simplicity. Direct lenders only assess repayment risk through a small examination of the credit report. So if your credit score isn’t perfect, don’t worry. With a high approval rate, you will get a loan approval decision within minutes without a credit check.

Discover Your Solution – Cash Loans in Idaho

A little extra cash at the right time is always a good idea. This is why 1FirstCashAdvance is trying to notify you about Idaho Bad Credit Cash Loans. Don’t worry because now you have the right solution to solve your financial problem. So sign up for the Idaho cash advance today and forget about unforeseen expenses.

Finding Payday Loans Near Me in ID

There are two main ways to find short-term loans near you in Idaho: at a local store or online. If you have a store nearby that offers short-term loans, you can get a loan there quickly. In this case, the lender may ask you to bring hard copies of your documents. The main advantage of getting a small loan from a store is that when you are in front of a salesperson, you will get answers to all your questions and personal advice within minutes. The downside is that you will have to plan your visit according to their schedule and avoid long queues. The average borrower prefers to apply online due to the simple process. Either way, if you need a quick loan, direct loan companies are one of the fastest options.

In-store Payday Loans in Idaho

Do you decide upon getting a loan offline? You`re in luck. Our department supervisor will help you together along with your loan utility at our in-save location. You get all of the assistance you want from an actual individual in actual time. For your convenience, we’ve enabled the opportunity to make a payday loan request through e-mail or phone. Your economic emergency is our priority.

We Provide Online Payday Loans in the Following ID Cities

1FirstCashAdvance wants to help consumers all around Idaho State to discover the best financial solutions. That is why we provide online payday loans in the following cities: Boise, Meridian, Nampa, Idaho Falls, Pocatello, Caldwell, Canyon, Coeur d’Alene, Kootenai, Twin Falls, Lewiston, Nez Perce, Post Falls.

Instant Approval Decision – Apply Now

Don’t wait a few days or weeks! Solve your financial problems immediately. Fill in the application form with your contact information and send it. We do the rest by ourselves! Get ready to use the payday loan for the next business day the way you want. Before applying for an Idaho loan, visit our local branch. Our account manager will help you get all the information you need about cash advances in Idaho.

Find a Lender Near Me in ID

Our convenient locations across the United States are open to anyone in financial difficulty. Not in Idaho? No problem. Try our stores in Texas, Wisconsin, California, Illinois, Missouri, New Jersey, Ohio, Tennessee. We help you with all the loan procedures and provide you with the best loan experience possible. Contact us for more information about short-term loans in Idaho.

1FirstCashAdvance Payday Loans Store Location in Boise, Idaho

Branch name: 1FirstCashAdvance Idaho

Address: 4864 W Clark St, Boise, ID 83705

Phone: (208) 607-3399

Email: [email protected]

Branch Manager: Robert Howard

Hours:
Monday – Friday: 8:00 am to 10:00 pm
Saturday: 9:00 am to 6:00 pm
Sunday: Closed

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Products & Services We Provide

Payday Loans

Short-term cash loans are just short-term loans that almost anyone can get. If you meet the general requirements, you can also get an emergency loan. Use it to pay late bills, buy groceries, and repair cars. No matter what financial challenges you face, we’re here to help.

Installment Loans

We recommend loans in installments to customers who immediately need more funds. Take a few minutes to submit your claim and get paid within one business day! There is nothing to ask about; You can use emergency cash at any time convenient for you. Pay timely monthly payments.

Check Cashing

Are you looking for a check fulfillment service? Maybe we can help you. Visit our stores. Most of them have a cash register and can get money in minutes. We value your time, and we appreciate your business.

Frequently Asked Questions

Licensed direct lenders are your partners?

We only work with a network of reliable and licensed direct lenders operating following Idaho credit legislation. Don't hesitate to ask for all the information you need about our credit partners.

In what cities of ID are payday loans available for consumers?

All cities in Idaho have short-term loans available to consumers. But the most popular towns are Canyon, Bonneville, Kootenai, Ada. If you are a resident of these cities, do not hesitate to apply for short-term loans online.

Can I get a same-day Idaho payday loan?

Yes, but take care of the application time. If you apply in the morning, the lender will transfer the money to your bank account by the end of the day. However, if you apply for a loan in the afternoon, the lender will pay it off the next business day. Also, be sure to get the loan approved the same day.

What are the other states in which you provide online payday loans?

We provide online loans in the following states: Washington, Oregon, Utah, Nevada, Wyoming, Montana.

Instant approval for payday loans - How to get it?

You might get an instant approval decision from our direct lenders. Unfortunately, most lending companies can’t guarantee instant approval, but there is a high approval rate, so your loan request won’t be ignored.

Does your company have a license?

1FirstCashAdvance Financial Help, LLC is a licensed connecting company that works under federal laws set by the US government. We are licensed by the Department of Financial Protection and Innovation. Borrowers can request licensing information anytime.

I want no credit check loans. How can I get one?

Our lending partners don’t perform hard credit checks. They just assess the repayment risk by reviewing your current financial situation. These checks won’t affect your credit score at all.

Why do I have so many denials for payday loans?

Many reasons may keep you from loan approval. One of these reasons is that you don’t meet all the requirements set by direct lenders. Also, your bad credit score might be a reason for lenders’ denial. To avoid these unpleasant situations, apply on our website. As there is a high approval rate, you might get approved today for your payday loan.