Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Compare your short-term loan options in Boise, Idaho

Compare your payday loan options to find one that suits your budget.

Updated

Fact checked

Editor's choice: OppLoans Installment Loans

OppLoans Installment Loans logo
  • Easy online application
  • Quick approval
  • Long repayment terms
See my rate

Idaho has some of the least-regulated payday loans out there. And while this means plenty of options for borrowers looking to get a short-term loan, it also means you might face multiple fees and high APRs that can make your loan difficult to repay.

Can I get a payday loan in Boise, Idaho?

Yes. Payday lenders in Boise are required to abide by Idaho Statute 28-46-401 et seq., which requires all lenders to be licensed.

You can borrow up to $1,000 or 25% of your gross monthly income, whichever is less. But be careful. Idaho doesn’t specify maximum loan terms, so you’ll need to read your contract carefully to make sure you won’t have to repay a large amount back within a few weeks. If you decide to take out a payday loan, keep this in mind. You might have a very short loan term with a high interest rate, making repayment nearly impossible.

You may be able to borrow another type of short-term loan, but keep in mind that these come with their own risks.

Compare payday loan providers in Boise

Data indicated here is updated regularly
Name Product Filter Values Max. Loan Amount Turnaround time Requirements
OppLoans Installment Loans
$5,000
1 business day
Direct deposit, meet minimum income requirements, live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
 Check Into Cash Installment Loans
$3,000
1 to 2 business days
Bank account, email address, phone number, US citizen or permanent resident, ages 21+, $3,500 minimum income in California
Borrow money with lower payments and more time to pay than a traditional payday loan.
Fast5kLoans Short-term Loans Connection Service
$35,000
As soon as the next business day
Regular source of income, verifiable bank account, US citizen, ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
LendYou Short-term Loans
$15,000
Same business day to 1 business days
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
Possible Finance Mobile Installment Loans
$500
As fast as 1 business day
Checking account with 3+ months of banking history, $750+ monthly income, live in eligible state, ages 18+
Borrow up to $500 with just a few swipes — but only for residents of 5 states.
BadCreditLoans.com
$5,000
Varies
Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.
With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
loading

Compare up to 4 providers

How do I apply?

To qualify for a payday loan, you’ll have to have a steady source of income, be a US citizen or permanent resident and be at least 18 years old. Some lenders may have more strict requirements, but these are the basic points all lenders require.

When you’re ready to apply, follow these steps to complete the application process from the comfort of your computer or phone.

  1. Find a lender on the table above that suits your needs.
  2. Click the Go to Site button if you want to apply online.
  3. Make sure you have your Social Security number, proof of income, bank account information and a valid for of ID.
  4. Fill out the application with your personal information.
  5. Submit and wait for approval.

Lenders typically only take a few minutes to process your application. If you’re approved, you may be able to pick up cash at a store or have your loan funds transferred to your bank account.

Where to find short-term loan locations in Boise

Short-term loan locations near me in Boise, ID

  • Cash Store. 8170 W Overland Rd, Boise, ID 83709
  • Check ‘n Go. 10654 W Overland Rd, Boise, ID 83709
  • Check into Cash. 10383 W Fairview Ave, Boise, ID 83704
  • EZ Money. 2911 W State St, Boise, ID 83702
  • FastBucks. 8050 W Fairview Ave A, Boise, ID 83704
  • Money 4 You. 7375 W Fairview Ave, Boise, ID 83704
  • Moneytree. 519 E Fairview Ave, Meridian, ID 83642
  • My Idaho Payday. 802 W Bannock St, Boise, ID 83702
  • Quik Cash. 3804 W Overland Rd, Boise, ID 83705
  • Xpress Cash. 5016 W Emerald St, Boise, ID 83706

Must read: Be cautious of limited regulations

Payday loans — as well as other short-term loans — aren’t highly regulated in Idaho. This means that lenders in Boise, whether they offer loans online or at a storefront, aren’t limited to how much they can charge. For many, it often results in a high APR and a repayment schedule that can be difficult to meet, which can lead to default.

If you aren’t able to find a lender that is willing to offer a loan that suits your budget, consider searching for a payday loan alternative instead.

What are my other short-term loan options?

Payday loans aren’t the only type of short-term loan on the market. In Boise, you can also borrow an installment loan or an auto title loan.

  • Installment loans. Installment loans work similarly to payday loans, but you can generally borrow more than $1,000 and will have multiple months to repay. This can make payments much easier to handle. However, be careful: The longer your loan term, the more you’ll end up paying in fees.
  • Auto title loans. Auto title loans allow you to use your title to secure a short-term loan. There are a few specific regulations your lender is required to follow, so before you borrow, check the Idaho state government website for more information.

Bottom line

Despite the lack of regulations, there are plenty of options when you’re looking for payday loans in Boise or other cities in Idaho. Just be sure you know what to look for in a payday loan lender and don’t settle for a bad deal.

Frequently asked questions

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site