Loans in Idaho: payday, personal & title loan laws (2026)

In Idaho, payday loans are legal, car title loans are legal, and personal installment loans are available from licensed lenders. Below are the verified rules, local lenders and credit unions for all 44 counties and 25 cities with 10,000+ residents.

Request a payday loan in Idaho

✓ Free to use✓ About 3 minutes✓ No obligation✓ Bad credit OK to apply

1 Choose an amount and fill out the form
2 Get matched with a lender in our network
3 Review your offer and get funded, often next business day

Tip: apply on a weekday morning for the best chance of funding by the next business day.

No hard credit inquiry on our end; lenders may check your credit. Not a lender; approval, amount and terms come from the lender. Example: $1,000 over 12 months at 35.99% APR ≈ $100.46/month.

Payday Loans Legal

Payday loans are legal in Idaho from lenders licensed by the Department of Finance under the Idaho Credit Code.

Personal Loans

No rate cap; licensed lenders may charge any rate agreed in the contract.

Title Loans Legal

Car title loans are legal in Idaho under the Title Loan Act from lenders licensed to make regulated consumer loans.

Idaho at a glance

1,934,262

Residents

$77,800

Median household income

406

FDIC bank branches

261

Credit-union branches

Counties in Idaho

Cities in Idaho

Boise Meridian Nampa Idaho Falls Caldwell Pocatello Coeur d'Alene Twin Falls Post Falls Rexburg Lewiston Eagle Kuna Moscow Ammon Mountain Home Hayden Chubbuck Star Jerome Blackfoot Garden City Burley Rathdrum Middleton

Frequently asked questions

Are payday loans legal in Idaho?

Payday loans are legal in Idaho from lenders licensed by the Department of Finance under the Idaho Credit Code. State law limits loan size and renewals but does not cap the fee.

How much can you borrow with a payday loan in Idaho?

$1,000 per loan, and no more than $1,000 in total outstanding with one lender (plus fees). A loan also may not be more than 25% of your gross monthly income when it is made.

How much do payday loans cost in Idaho?

No dollar or percentage cap. The lender may charge a fee for each payday loan, must state it as a dollar amount and an APR in the agreement, and must post its fee per $100 in the store.

Are title loans legal in Idaho?

Car title loans are legal in Idaho under the Title Loan Act from lenders licensed to make regulated consumer loans. There is no rate cap; each agreement may last up to 30 days and can renew.

How much can you get for a title loan in Idaho?

The loan, together with other title loans from the same lender on that vehicle, may not exceed the vehicle's retail value under common appraisal guides.

Is there a cap on personal loan interest rates in Idaho?

No rate cap; licensed lenders may charge any rate agreed in the contract.

Do personal loan lenders need a license in Idaho?

Yes. Unless exempt (for example banks and other supervised financial organizations), a person may not be in the business of making regulated consumer loans, or of taking assignments of and collecting them, without a Department of Finance license.