Loans in Shoshone County, ID: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Shoshone County, ID.
The median household in Shoshone County earns $55,527 a year, 29% below the Idaho median of $77,800. About 13% of residents live below the federal poverty line, and 26.0% of households rent their home. 10.0% of households have no home internet; our form works on any phone.
What you need for a payday loan in Shoshone County
Here's what to have on hand before you start your payday loan request in Shoshone County:
- 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 Shoshone County
What Shoshone County borrowers use it for
gifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Shoshone 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 Shoshone County
Banks with branches in Shoshone County
6 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| bankcda | 2 | 120 Railroad Ave, Kellogg 83837 |
| U.S. Bank National Association | 1 | 1 Country Club Ln, Pinehurst 83850 |
| WaFd Bank | 1 | 733 E Mullan Ave, Osburn 83849 |
| Columbia Bank | 1 | 302 W. Cameron Avenue, Kellogg 83837 |
| Glacier Bank | 1 | 419 6th St, Wallace 83873 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Shoshone County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Potlatch No. 1 Financial | 730 E Mullan Ave, Osburn 83849 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Shoshone County?
Shoshone 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 Shoshone 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 Shoshone County?
Options include 6 bank and 1 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 Shoshone County?
Fill out our short online form from anywhere in Shoshone 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 Shoshone County, ID?
You can apply at banks, credit unions and lenders in Shoshone 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 Shoshone 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. Shoshone County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Shoshone County with bad credit?
Yes, many lenders in our network work with Shoshone 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 get an emergency loan in Shoshone County?
Yes. When an unexpected bill comes up, Shoshone 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.