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Payday Loans in Idaho

Compare licensed lenders โ€ข Check ID regulations โ€ข Apply online

Last updated: June 2026

Max Loan
$1,000
Cities Covered
4
Legal Status
Legal
Population
1,839,106

Idaho Payday Loan Regulations

Max Loan Amount:$1,000
Max Term:45 days
Typical APR:582%
Cooling-Off:None
Rollover Allowed:Yes

Payday loans in Idaho are regulated by the Department of Finance. Typical APR up to 582%.

Important: This information is current as of February 2026. State regulations may change. Always verify with your lender and state regulator before signing a loan agreement.

About Payday Loans in Idaho

Payday loans in Idaho are regulated by the Department of Finance. Typical APR up to 582%.

Idaho is located in the West region of the United States with a population of 1,839,106.

Key Regulations:

  • Maximum APR: 582%
  • Maximum loan amount: $1,000
  • Maximum term: 45 days
  • Rollovers allowed
  • Regulated by Idaho Department of Finance

Regulatory Authority: Idaho Department of Finance
Official Website: https://finance.idaho.gov/

Representative Example APR in Idaho

Payday and small-dollar loan costs vary by lender, amount, and state rules. The example below shows how fees can translate into APR on a short-term loan.

Loan amount Term Fee per $100 Total repayment Equivalent APR
$500 14 days $15 $575 391%

Example only. Actual APR and total repayment in Idaho depend on lender pricing, term length, and state compliance limits.

Cities in Idaho

Boise

Pop: 235,684

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Meridian

Pop: 117,635

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Nampa

Pop: 100,200

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Idaho Falls

Pop: 64,818

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Browse all 4 city pages in Idaho
Boise Meridian Nampa Idaho Falls

Frequently Asked Questions โ€“ Idaho

Are payday loans legal in Idaho?
Yes, payday loans are legal in Idaho. The state is regulated by the Idaho Department of Finance, which oversees all payday lenders. Payday loans in Idaho are regulated by the Department of Finance. Typical APR up to 582%.
What is the maximum payday loan amount in ID?
The maximum payday loan amount in Idaho is $1,000. Finance charges are capped at Varies by lender. Always verify with your lender before applying.
How long do I have to repay a payday loan in Idaho?
In Idaho, payday loans typically have a maximum term of 45 days. Some lenders offer installment loans with longer repayment periods. Check specific lender terms.
Can I have multiple payday loans at once in ID?
Payday loans in Idaho are regulated by the Department of Finance. Typical APR up to 582%.
How do I find licensed payday lenders in Idaho?
All payday lenders in Idaho must be licensed by the Idaho Department of Finance. You can verify a lender's license at https://finance.idaho.gov/. Only work with licensed lenders to protect yourself.
What documents do I need for a payday loan in ID?
Most Idaho payday lenders require: (1) Valid ID (driver's license or state ID), (2) Proof of income (pay stubs or bank statements), (3) Active checking account, (4) Social Security number, (5) Proof of residence.
What is the typical APR for payday loans in Idaho?
In Idaho, the maximum APR is 582%. Actual APR varies by lender and loan amount. Always review the loan agreement for total cost before signing.
Are there alternatives to payday loans in ID?
Yes. Consider: (1) Credit union loans (often lower rates), (2) Payment plans with creditors, (3) Local assistance programs, (4) Employer cash advances, (5) Friends or family loans. Explore all options before committing to a payday loan.

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Important Legal Notice

This information is current as of January 2026 and is for informational purposes only. Payday loan regulations in Idaho may change. Always verify current regulations with the Idaho Department of Finance before applying. Credizen is a comparison platform and we do not directly provide loans.

We may earn commission from lenders when you submit a loan request. This does not affect which lenders you are matched with.

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Rostislav Sikora

AI Orchestrator and loan comparison specialist

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