Loans in Power County, ID: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Power County, ID.
The median household in Power County earns $61,146 a year, 21% below the Idaho median of $77,800. About 10% of residents live below the federal poverty line, and 26.3% of households rent their home.
What you need for a payday loan in Power County
Lenders that serve Power 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 Power County
What Power County borrowers use it for
cover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Need money nowthe fastest options online
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Power 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 Power County
Banks with branches in Power County
1 FDIC-insured bank branches from 1 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Bank of Commerce | 1 | 590 Tyhee Ave, American Falls 83211 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Power County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Idaho Central | 246 Idaho St, American Falls 83211 |
| Advantage Plus | 465 Hillcrest Ave, American Falls 83211 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Power County
Frequently asked questions
Are payday loans legal in Power County?
Power 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 Power 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 Power County?
Options include 1 bank and 2 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 Power County?
Fill out our short online form from anywhere in Power 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.
Can I apply for a loan online in Power County?
Yes. You don't need to visit a branch or storefront anywhere in Power 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.
Can I get an emergency loan in Power County?
Yes. When an unexpected bill comes up, Power County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.
Can I get a loan in Power County with bad credit?
Yes, many lenders in our network work with Power 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.
Where can I get a loan in Power County, ID?
You can apply at banks, credit unions and lenders in Power 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.