Short-term loans in Boise, ID | finder.com

Compare your short-term loan options in Boise, Idaho

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

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.

CashNetUSA Loan

For fast cash: CashNetUSA

Get a payday loan, installment loan or line of credit, depending on state availability.

  • Loan Amount: Varies by state
  • Turnaround Time: 1 business day
  • 15% off initial loan fee on payday loans or brokered loans
  • Quick application, no collateral needed
  • Bad credit is OK

    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.

    Consider these lenders for a payday loan in Boise

    Rates last updated February 17th, 2019
    Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
    Name Product Product Description Max. Loan Amount Turnaround Time Requirements
    OppLoans Installment Loans
    Installment loans with competitive rates from a top-rated direct lender.
    $5,000
    1 business day
    Must have direct deposit and meet minimum income requirements
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    Varies by state
    1 business day
    You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
    Jora Installment Loans
    Installment loans with repayment terms up to 30 months, depending on your state.
    $2,600
    1–2 days
    Must have an active checking account, regular source of income and email address.
    CashUSA Installment Loans
    A connection service for quick cash loans up to $10,000.
    $10,000
    As early as 1 business day
    Must have a monthly income of $1,000+ after taxes and valid checking account.
    LendYou Short-term Loans
    Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.
    $15,000
    1 business day
    You must be a US citizen or permanent resident, age 18+ and have a regular income.
    ACE Cash Express Short-term Loans
    Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
    Varies by state
    Generally receive the money the next business day
    Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.
    LendUp Payday Loans
    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see more details for your state.
    $250
    generally receive the money the next business day
    Be 18+ years of age and have a checking account that can accept electronic transfers.

    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.

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    US Payday Loans Offers

    Important Information*
    CashNetUSA Loan

    Apply for a short-term loan with an easy online application and dedicated customer service.

    Check into Cash Payday Loan

    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

    OppLoans Installment Loans

    Installment loans with competitive rates from a top-rated direct lender.

    LendYou Short-term Loans

    Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.

    Go to site