Payday Loans in Idaho

Yes, you can get a payday loan in Idaho from a lender licensed by the Department of Finance: up to $1,000, but no more than 25% of your gross monthly income. Idaho sets no fee cap; at $20 per $100, $300 costs $60.

Idaho Payday Fees at $15, $20 and $25 per $100

Each Idaho lender sets its own fee and posts it per $100. A $300 loan for 14 days at three reference fees:

Worked out at three reference fees, since Idaho law sets no cap. These aren't Idaho limits or offers from lenders in our network; your price can be lower or higher.

On $1,000, those fees come to $150, $200 and $250 for one term. The fee is fully earned the day you borrow, and no other charge is allowed, not even one to get your money.

Idaho's 25%-of-Income Test, Worked Out

A loan can't be more than a quarter of your gross monthly income, and the lender must update your income details at least yearly:

Above $4,000 a month, the $1,000 cap takes over. It covers everything you owe one lender and its related companies.

Three Renewals Before an Idaho Loan Must Be Repaid

Each renewal brings another fee, so $300 at $20 per $100 renewed three times costs $240 in fees before you repay the $300. After the third renewal, the loan must be paid in full.

• The same lender, or a company it controls, can't pay off your loan with a new payday loan.
• Need longer? An installment loan is repaid monthly; see Idaho installment loans.

Switching to Idaho's Interest-Free Payment Plan

Once in any 12 months, the lender must turn your payday loan into an extended payment plan when you ask; the written plan must be signed by the due date. On $360 owed, that's 4 payments of $90 over at least 60 days.

• No added cost. No interest or extra fees, and never more than the original loan.
• Time before the first payment. The Department of Finance expects it no sooner than the original loan term or two weeks, whichever is longer.
• No collection. Not while you keep to the plan.

Collection Limits on Idaho Payday Lenders

• No threats of arrest or criminal charges over a missed payment.
• A returned check or debit brings only the charges Idaho's bad-check law allows, such as a set fee of up to $20, if disclosed. No treble damages.
• No more than two electronic re-presentments to your bank, and no car title or other property as security.

Before Your Idaho Payday Request: Three Steps

1. Work out 25% of your gross monthly income and what you already owe that lender; the new loan must fit both limits.
2. Submit one request through LendUp. Lenders in our network review it, and any offer shows the APR, payments and total cost before you sign.
3. Check the fee in dollars and as an APR, and your deadline to cancel: the close of the next business day.

Is the Payday Lender on Idaho's Licensee List?

1. Choose Consumer Credit and search the lender's legal name.
2. Look for a Payday Loan license or branch license; on October 28, 2026 there were 73, held by 14 companies.
3. Match the city and check that it runs through December 31, 2026.

Online lenders, and anyone who arranges a payday loan for another lender, need the license too. Questions: 208-332-8000, or 1-888-346-3378 toll-free in Idaho.

Common Questions

Official Sources

← Idaho loan rules