Payday loans in Idaho
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
Idaho payday loan rules at a glance
| Governing law | Idaho Credit Code, Title 28, Chapter 46, Part 4 (payday loans), Idaho Code ss. 28-46-401 to 28-46-415. A license is required to make, offer or arrange a payday loan; an unlicensed payday loan is void and uncollectible. (Idaho Code ss. 28-46-401, 28-46-402) |
|---|---|
| Maximum loan | $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. (Idaho Code ss. 28-46-412(2), 28-46-413(1)-(2)) |
| Fees / interest cap | 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. (Idaho Code s. 28-46-412(1), (3)-(4)) |
| Rollovers / renewals | A lender may renew a payday loan no more than 3 times in a row; after that the loan must be repaid in full. A payday loan may not be paid off with another payday loan from the same lender. (Idaho Code s. 28-46-413(5), (9)) |
| Cooling-off period | No waiting period. You may take a new loan from the lender any time after the prior loan is completed. You may cancel a loan at no cost by the end of the next business day by repaying the principal. (Idaho Code s. 28-46-413(9), (12)) |
| Loans at one time / database | No set number of loans, but total outstanding principal with one lender (and its affiliates) may not exceed $1,000. (Idaho Code s. 28-46-413(1)) |
| Extended payment plan | Yes, once in any 12 months, if you ask. The plan must be signed no later than the loan's due date, give you at least 4 equal payments over at least 60 days, and add no interest or extra fees. The lender may not start collection while you keep to the plan. (Idaho Code s. 28-46-414) |
| Returned-payment fee | If your check bounces, the lender may collect the returned-check charges allowed by Idaho Code s. 28-22-105 if they were disclosed in the agreement, but not treble damages. The lender may make no more than 2 electronic re-presentments of your check. (Idaho Code ss. 28-46-413(6), 28-46-412(8)) |
| Criminal charges for bounced check | A lender may not threaten you with criminal action because of a payment shortfall. (Idaho Code s. 28-46-413(7)) |
How much will I repay?
Idaho does not set a single per-$100 fee cap for this product; check the lender's disclosure. $15 per $100 is shown as an example.
Estimate only. Your lender shows your exact cost before you sign.
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Status | Max loan |
|---|---|---|
| Montana | Not available | A payday loan must be at least $50 and no more than $300, not counting the fee. |
| Nevada | Legal | A payday loan, together with the borrower's other outstanding loans from the lender, may not exceed 25% of the… |
| Oregon | Legal | — |
| Utah | Legal | — |
| Washington | Legal | $700 or 30% of your gross monthly income, whichever is lower. |
| Wyoming | Legal | — |
Payday Loans by city in Idaho
Counties in Idaho
Show all 44 counties
Also see: Personal Loans in Idaho · Title Loans in Idaho · All Idaho loan options
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.
How many payday loans can you have at once in Idaho?
No set number of loans, but total outstanding principal with one lender (and its affiliates) may not exceed $1,000.
Can you roll over a payday loan in Idaho?
A lender may renew a payday loan no more than 3 times in a row; after that the loan must be repaid in full. A payday loan may not be paid off with another payday loan from the same lender.
Do Idaho payday lenders have to offer a payment plan?
Yes, once in any 12 months, if you ask. The plan must be signed no later than the loan's due date, give you at least 4 equal payments over at least 60 days, and add no interest or extra fees. The lender may not start collection while you keep to the plan.
Can a payday lender press criminal charges in Idaho?
A lender may not threaten you with criminal action because of a payment shortfall.
Can I get a payday loan online in Idaho?
Yes. You can request a payday loan online from anywhere in Idaho, using your phone or computer. Our secure form takes about 3 minutes and connects you with lenders in our network that serve Idaho residents. If you're approved, funds go straight to your checking account, often by the next business day. There's no cost to apply and no obligation to accept.
Can I get a payday loan on the weekend in Idaho?
You can submit our online form any time, including nights and weekends, and some lenders review requests right away. Funding depends on banking days, though, so money requested on a Saturday or Sunday typically arrives the next business day. Submitting early helps you get in line for the first available deposit. Idaho residents can start a request now; it takes about 3 minutes.
Do payday loans in Idaho affect your credit score?
Usually only a little, if at all. Because many payday lenders don't use a traditional hard credit pull and often don't report to the major bureaus, a payday loan repaid on time typically has little effect on your score. A balance that goes unpaid and reaches collections could hurt it, so borrow an amount you can repay on your due date. Idaho residents can see their options with our 3-minute form.
How much does a payday loan cost in Idaho?
No dollar or percentage cap. Your lender shows the exact fee, total amount to repay, due date and APR before you sign, so you know the full cost upfront. There's no charge to use our form, and you're never obligated to accept an offer. Compare what lenders offer Idaho borrowers in about 3 minutes.