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

Compare your short-term loan options in Boise, Idaho

Here’s what you need to know about short-term loans in Boise.

If you’re in need of a little extra money and don’t have perfect credit, you might be considering taking out a short-term loan. This guide takes you through the things you need to know about short-term lending in Boise, Idaho.

Check into Cash Payday Loan

Check into Cash Loans

Check into Cash allows you to directly apply for a payday loan and have your cash when you need it.

  • Min. Loan Amount: $50
  • Loan Term: Varies by state
  • Turnaround Time: 1–2 business days
  • Total Costs: Varies depending on the amount and your state of residency.
  • Must be 18+
  • No security needed
  • Confidential and secure!

    What are the laws surrounding short-term loans in Boise?

    Short-term lenders in Boise are required to abide by Idaho Statute 28-46-401 et seq. To offer payday loans in Boise, a lender should obtain a license under this chapter. Lenders require separate licenses for every storefront location theyas well as for online loans.

    You can borrow up to $1,000 or 25% of your gross monthly income, 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.

    You can learn about all of Idaho’s short-term loan laws here

    Consider these lenders for a short term loan in Boise

    Check the websites of any providers you’re interested in to confirm they operate in your state of residence.

    Rates last updated April 23rd, 2018
    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 Maximum Loan Amount Term of Loan Turnaround Time Requirements
    Check into Cash Payday Loan
    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
    $1,000
    Varies by state
    1–2 business days
    You must be at least 21 and an American citizen and have a bank account, email address and phone number.
    LendUp Payday Loans
    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.
    $250
    7–30 days
    generally receive the money the next business day
    Be 18+ years of age and have a checking account that can accept electronic transfers.
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    Varies by state
    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.
    ACE Cash Express Payday 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
    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.
    LoanByPhone Payday and Installment Loans
    This mobile lender offers convenient cash loans. Apply online or by phone.
    $3,000
    Varies by state
    1–2 business days
    Must be 21 years old and have a Social Security number, a regular source of income, a valid email address, an active checking account and a phone number.
    BadCreditLoans.com
    With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
    $5,000
    3 to 36 months
    Varies
    Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.

    Compare up to 4 providers

    How much will a short-term loan in Boise cost me?

    Although Idaho caps how much you can borrow to $1,000 or 25% of your monthly income, there are no laws on how much a lender can charge you in interest and how long loan terms can be. If you decide to take out a short-term loan, keep this in mind. You might have a very short loan term with a high interest rate, making the payment nearly impossible.

    The most important step when applying for a loan is to compare your rates and find a lender that offers you the best term. You can use a connection service like a loan broker to find a few different lenders when you aren’t sure where to start.

    Here are some reasons you might want to consider a short-term loan

    • You can apply with bad credit. As long as you have a regular source of income and meet some basic eligibility criteria, you can apply for the money you need.
    • Many choices are available. The brick-and-mortar world presents you with multiple options when looking for a suitable payday lender, and there are plenty of online lenders you can compare on your search.
    • You can receive your funds quickly. By applying at a storefront, you can get the money you need almost as soon as the lender approves your application. With online loans, most lenders transfer funds as soon as the next business day.

    Bruce missed two weeks of work

    Due to an unexpected illness, Bruce had to miss a little over two weeks of work. As a shift worker without great credit, he didn’t qualify for a traditional loan from a bank to cover the expenses that had built up while he was sick. Instead, Bruce turned to a short-term loan to cover his bills.

    He applied for a $500 loan from a short-term lender. His application was approved, and Bruce received his loan the next business day. With a 25% financing fee on the $500, Bruce knew that at the end of the three-week term, he’d have to repay the full principal plus $125. He managed to take on a few extra shifts and cover the amount without incurring any additional fees.

    How do you apply for a payday loan?

    When you’re ready to apply, follow these steps to ensure the best chances of being approved.

    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 or visit a storefront.
    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.

    Even if you aren’t approved, you can find other ways to get a little extra cash


    Short-term loans near you in Boise, Idaho

    Where to shop for a short-term loan

    • 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

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    US Payday Loans Offers

    Important Information*
    Slam Dunk Loans

    Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.

    LendUp Payday Loans

    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

    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.

    Go to site