Payday Loans in Boise, ID
at 1348 S Orchard St, 83705
- (208) 314-3963
- 7+ years in business
- Apply in-store 8 am – 10 pm (Mon–Fri)
- Open on Saturday
- Payday loans, Installment loans
- Online application 24/7
1F Cash Advance Store in Boise
If unexpected expenses arise, 1F Cash Advance can help Boise residents get fast cash. You can apply for a payday loan at our store in minutes and let our friendly staff guide you through the process.
We are located near Snake River Pool & Spa and Tire Choice Auto Service. Lenders in our network specialize in fast approvals and accessible loan options, making them available even to borrowers with bad credit. Visit us today for quick and reliable payday loans in Idaho, with fast decisions, same-day funding, and clear terms.
- Monday8 am – 10 pm
- Tuesday8 am – 10 pm
- Wednesday8 am – 10 pm
- Thursday8 am – 10 pm
- Friday8 am – 10 pm
- Saturday9 am – 6 pm
- SundayClosed
Joe An
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Available Loans
At our Boise location, you can access a variety of short-term loan products when you need cash fast:
Payday Loans
Max. amount $1,000
Payday loans are short-term loans of up to $1,000 that are due by your next payday. They are designed for emergency expenses, such as minor repairs, medical costs, or unforeseen bills. Get quick cash today and repay the funds within 31 days.
Installment Loans
Max. amount $5,000
Use an installment loan for larger expenses of up to $5,000 and pay back in equal monthly installments over 2 to 24 months. These loans work well for big purchases, home improvement, or debt consolidation.
Steps to Get Your Loan
Follow these three simple steps to get a payday loan with 1F Cash Advance:
Visit our store nearby
Come to our Boise office and fill out an easy application form. It takes about five minutes.
Get a fast decision
Applications are typically processed within 15 minutes. No hard credit check is required to explore your options, although some lenders may perform one if you decide to move forward.
Pick up your money
If approved, sign the agreement and walk out with cash, or get a direct deposit to your bank within 24 hours. *
*If you are approved before 10:30 am on a banking day, the loan is usually funded on the same day. Later or weekend applications will be processed on the next business day. Instant cash may be offered to applicants who borrow against a post-dated check.
Application Requirements
Here’s what you need to provide to complete your application in-store:
- Proof of Idaho residence
- Valid government-issued photo ID
- Social Security Number
- Proof of income, such as bank statements
- Active checking account and routing numbers
- Valid email and cell phone number
- Age of at least 18
About 1F Cash Advance in Boise, Idaho
Founded in 2019, 1F Cash Advance has helped over 3 million customers nationwide get quick loans. Lenders in our network offer loan options that work for all credit types, expanding access to credit for people who are often overlooked by traditional banks. Our mission is to make cash accessible when you need it, without long waits or excessive paperwork. At 1F Cash Advance, we prioritize transparency and focus on delivering a positive borrowing experience.
Payday Loans Are Not Intended for Long-Term Financial Needs
We always encourage responsible borrowing. Payday loans in Boise are meant for emergency situations, not as a long-term financial solution. Renewals and rollovers come with extra fees, which can make borrowing costly. If you need money for ongoing expenses, explore other options or consider professional financial counseling.
FAQ
Are payday loans legal in Idaho?
Yes. Idaho Code §28-46-401 et seq. allows deferred-deposit loans up to $1,000. These loans are subject to state regulation, with the Idaho Department of Finance licensing 817 Regulated Lenders under the Idaho Credit Code (a category that includes payday lenders) in fiscal year 2025.1
Can I get a payday loan in Boise with bad credit?
Many customers with less-than-perfect credit scores or limited credit histories can still be approved for our loans in Boise. Our partner lenders focus on your income and employment rather than your FICO score.
How fast can I get my loan?
You can get cash right away at our Boise location by providing a post-dated check. With direct deposit, funds usually arrive the next business day. Same-day funding is possible if you get approved before 10:30 am on a business day.
How much can I borrow in Boise?
For payday loans, Idaho law caps borrowing at $1,000 or 25% of your gross monthly income, whichever is less. For installment loans, the maximum is $5,000.
Sources
- 1 Idaho Department of Finance — Annual Report 2025 — Idaho Credit Code Regulated Lender licensees (a category that includes payday lenders) totaled 817 in fiscal year 2025. October 2025.
