Loans in Madison County, ID: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Madison County, ID.
The median household in Madison County earns $60,160 a year, 23% below the Idaho median of $77,800. About 24% of residents live below the federal poverty line, and 59.8% of households rent their home.
What you need for a payday loan in Madison County
Lenders that serve Madison County typically ask for the following:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Madison County
What Madison County borrowers use it for
the fastest options online
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Madison County
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.
Banks and credit unions in Madison County
Banks with branches in Madison County
9 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Bank of Commerce | 2 | 184 E 2nd N, Rexburg 83440 |
| Zions Bancorporation, N.A. | 1 | 149 W Main St, Rexburg 83440 |
| U.S. Bank National Association | 1 | 77 E Main St, Rexburg 83440 |
| Wells Fargo Bank, National Association | 1 | 39 E Main St, Rexburg 83440 |
| KeyBank National Association | 1 | 110 E Main St, Rexburg 83440 |
| WaFd Bank | 1 | 80 N 2nd E, Rexburg 83440 |
| Glacier Bank | 1 | 452 N 2nd E, Rexburg 83440 |
| D. L. Evans Bank | 1 | 125 Valley River Dr, Rexburg 83440 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Madison County
11 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Mountain America | 18 N 2Nd E, Rexburg 83440 |
| Goldenwest | 855 University Blvd, Rexburg 83440 |
| America First | 510 N 2Nd E, Rexburg 83440 |
| Idaho Central | 673 N 2Nd E, Rexburg 83440 |
| Westmark | 258 E Lorene St, Rexburg 83440 |
| Frontier | 310 N 2Nd E, Rexburg 83440 |
| Beehive | 1087 Erikson Dr, Rexburg 83440 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Madison County
Frequently asked questions
Are payday loans legal in Madison County?
Madison County follows Idaho law. Payday loans are legal in Idaho from lenders licensed by the Department of Finance under the Idaho Credit Code.
Are title loans legal in Madison County?
Car title loans are legal in Idaho under the Title Loan Act from lenders licensed to make regulated consumer loans.
Where can I get a small loan in Madison County?
Options include 9 bank and 11 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Madison County?
Fill out our short online form from anywhere in Madison County. We share it with lenders in our network that serve Idaho; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Where can I get a loan in Madison County, ID?
You can apply at banks, credit unions and lenders in Madison County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Idaho residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get a loan in Madison County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Madison County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Madison County with bad credit?
Yes, many lenders in our network work with Madison County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.
Can I apply for a loan online in Madison County?
Yes. You don't need to visit a branch or storefront anywhere in Madison County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Idaho. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.