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Payday Loans in Idaho — Laws, Limits & Online Lenders

Compare licensed payday lenders in Idaho. One application, multiple offers, no credit impact.

1 Apply in Minutes
2 Compare Offers
3 Get Funded

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Idaho Payday Loan Laws at a Glance

Max Loan Amount $1,000
Max APR No cap
Max Term No limit
Rollovers Three rollovers
Cooling-Off Period None
Governing Statute Idaho Code § 28-46-401

How to Get a Payday Loan in Idaho

Getting a payday loan in Idaho is straightforward. Fill out the form above with your basic information — name, address, income, and bank account details. Our network of Idaho-licensed lenders reviews your application and presents offers based on your profile.

You compare terms, choose the offer that works best for you, and funds are deposited directly into your bank account — often the same day or next business day.

Requirements for Idaho Borrowers

  • Must be 18 years or older (resident of Idaho)
  • Active checking account
  • Regular source of income
  • Valid government-issued ID
  • Not active-duty military

Check Your Rate in Idaho — No Credit Impact

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What to Know Before Borrowing in Idaho

Under Idaho Code § 28-46-401, payday lenders in Idaho may charge up to the state maximum on qualifying loans. Make sure you understand the total repayment amount before accepting any offer. If you cannot repay on time, contact your lender immediately — Idaho may require lenders to offer an extended payment plan.

For more information on payday loan regulations across all states, see our Idaho and other state payday loan laws.

Payday Loans by City in Idaho

Select your city for local payday loan information, lender options, and Idaho regulations that apply to your area.

Boise Meridian Nampa Idaho Falls Pocatello Caldwell Twin Falls Coeur d'Alene

Idaho Payday Loan FAQ

Are payday loans legal in Idaho?

Yes. Payday loans are legal in Idaho under Idaho Code § 28-46-401. Lenders must be licensed by the state banking regulator.

How much can I borrow in Idaho?

The maximum payday loan amount in Idaho is $1,000. Your actual loan amount depends on your income and the lender's assessment.

What is the maximum APR in Idaho?

The maximum APR for payday loans in Idaho is approximately No cap. Actual rates vary by lender within this limit.

Can I roll over a payday loan in Idaho?

Three rollovers

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