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.

Our top pick: Jora Installment Loans

  • Min. Loan Amount: $500
  • Max. Loan Amount: $2,600
  • Turnaround Time: 1 to 2 business days
  • Loan Term: Varies
  • Requirements: Active checking account, regular source of income, email address
  • Quick application process
  • Bad credit OK
  • Financial resources

Our top pick: Jora Installment Loans

Get access to tools to help you plan a career move, make some extra cash or search for a better-paying job.

  • Min. Loan Amount: $500
  • Max. Loan Amount: $2,600
  • Turnaround Time: 1 to 2 business days
  • Loan Term: Varies
  • Requirements: Active checking account, regular source of income, email address
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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

Updated June 27th, 2019
Name Product Filter Values Max. Loan Amount Turnaround Time Requirements
$5,000
1 business day
Direct deposit, meet minimum income requirements
Comes with the option to change your due date so you won’t fall behind on repayments.
$2,600
1 to 2 business days
Active checking account, regular source of income, email address
Get access to tools to help you plan a career move, make some extra cash or search for a better-paying job.
$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.
$50,000
1 business day
Must be employed and receive regular income, earn at least $800 a month, have a checking account and be an 18+ years old legal US citizen.
Get a flexible installment loan with fast funding through one easy online application form.
$15,000
1 business day
$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.
$10,000
As early as 1 business day
$1,000+ monthly income after taxes, valid checking account
Explore its online education center to get tips on budgeting, how to prioritize your bills and more.
Varies by state
1 business day
Regular source of income, bank account, US citizen or permanent resident, ages 18+
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.

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*
Logo for CashNetUSA Loan
CashNetUSA Loan

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

Logo for Check into Cash Payday Loan
Check into Cash Payday Loan

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

Logo for OppLoans Installment Loans
OppLoans Installment Loans

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

Logo for LendYou Short-term Loans
LendYou Short-term Loans

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

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