Best Online Payday Loans In Idaho

When you need money quickly, a payday loan often looks attractive. If you live in Idaho, you might wonder whether a payday loan is available to you. 

The good news is that payday lending is legal in the state of Idaho. The terms of loans are fairly lax in the state. However, there is a limit of $1,000 or 25 percent of your gross monthly income. You are allowed a maximum of three roll-overs. Aside from these guidelines, there are very few requirements for taking out a payday loan in Idaho, making it one of the easiest states to get one.  

So, how do you go about getting online payday loans in Idaho? These 10 online lenders are available to residents of Idaho and may be able to help you the next time you need to access cash quickly.

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Best Online Payday Loans in Idaho

Payday loan providers vary from state to state, so not every service you find online will suit you. These 10 lenders can help you access quick online personal loans in Idaho.

1. MoneyKey

MoneyKey online Loans Idaho

MoneyKey is one of the leading lenders for payday loans. Applying is incredibly simple. All you have to do is fill out an online application. If you are approved, then you will usually see funds by the next business day. You might even see them the same day you applied. 

The company has been supplying online loans since its start in 2011. Since then, it has prioritized two things: customer service and fast payments. That means that this is an excellent option when you need money urgently. 

MoneyKey‘s customer service team is also prepared to help you understand the terms of your loan in full. That means knowing exactly what you need to prepare for repayment, interest fees, and other terms. 

These loans are intended to be short-term financial help, a fact that MoneyKey urges its customers to remember. Your loan will be between $150 and $2,000, depending on your qualifications and agreed-upon terms. Loan payments may be weekly, biweekly, or monthly. 

MoneyKey is a reputable company that has worked with more than 400,000 applicants. It is a member of the Online Lenders Alliance and is a licensed Credit Access Business under the Office of the Consumer Credit Commissioner.

2. Check Into Cash

Check Into Cash Payday Loans Idaho Online

Check Into Cash lets you take out a payday loan and repay before your next pay date. The goal is to get customers fast cash to fund emergencies and get it repaid in two to four weeks. 

The amount of your payday loan will depend on your state of residence. This typically ranges between $50 and $1500. In Idaho, you can qualify for a payday loan of up to $1,000 to cover emergency expenses. 

When you apply in person, you can walk out of the office with cash in your pocket. Applying online usually means getting funds within 24 hours — but it also means getting approved much faster, often in less than a minute. 

Whatever option works better for you, you can get your hands on money in less than a day. The terms of this loan are safe and confidential. You can feel safe knowing that your information is protected. 

Check Into Cash has been providing payday loans since the company got its start in 1993. With locations all around the country, it now offers online services to make getting your money even easier. Check Into Cash is a certified member of INFiN, a financial services alliance. 

3. ZocaLoans

Zoca Loans Idaho

ZocaLoans aims to keep the process of taking out a payday loan as simple as possible. The company prioritizes small loans for people who need them quickly. 

To that end, it offers a quick application that only takes a few minutes. If you are eligible, you will know right away. Then you can receive your funds by the next day. 

ZocaLoans does not require its customers to have good credit to qualify for a payday loan. All you need is to provide your driver’s license number and your bank account information. Once you are approved, you can sign your contract electronically and accept your funds when they deposit. 

When it is time to pay your loan back, you can pay it in small increments or all at once. There are no fees or penalties for paying the loan back early, either. 

ZocaLoans offers excellent customer support both online or over the phone. The customer support team is there to make sure you understand all the terms of your loan. 

This company is an excellent option for those who don’t need the hassle and complexity of traditional loan services — just a straightforward small loan to cover their immediate expenses. 

4. Ace Cash Express

Idaho Ace Cash Express Payday Loans

ACE Cash Express keeps payday loans super simple. You get what you need for emergency expenses, then pay it back in full on your next payday. This online short-term loans option in Idaho is a simpler alternative to payday loans with tons of options for payback. Instead, it is quick and simple, getting you cash when you need it and paying it back as fast as possible. 

Because it is entirely an online service, ACE Cash Express will deposit your funds on the next business day after your loan is approved. Then the money will be reclaimed from your account on your next payday. 

This means that ACE Cash Express is a good choice for people who have a steady and reliable income. Don’t take a loan out unless you are sure that you can pay it back promptly. In Idaho, you can get a payday loan of up to $1,000 with ACE Cash Express

The company was founded in 1968 and now provides loans for customers in 24 states around the country. In 2014, it was involved in a lawsuit in which it was accused of abusive debt collection practices. However, in general, the company has a good reputation and is a trustworthy place to get a loan. 

5. Speedy Cash

Speedy Cash Payday Loans In Idaho

Speedy Cash has been offering loans to customers since 1997. The application is entirely online, from application to depositing funds to paying back the loan. 

In Idaho, you can take out a payday loan with Speedy Cash of up to $750. While this isn’t as high as some other lenders, it can be enough to cover many kinds of emergency expenses. This is not to mention that it is quicker and easier to pay back. 

Speedy Cash lets you pay back your daily interest on the outstanding principal. To make sure customers feel secure, the company’s site is protected by Norton and McAfee. This makes sure that all your information is safe during your transaction. 

Speedy Cash is also a great option for customers who do not have a perfect credit score. Some lenders require you to provide proof of a stellar credit score, which means that many people don’t qualify. Speedy Cash, on the other hand, prioritizes credit lines and payday loans to anyone eligible. 

The company has been serving customers around the country since 1999. In 2008, it started providing online services, and in 2015, its mobile services were launched. Now you can access loans right from your phone. 

6. Check City

Check City Idaho Online Payday Loans

Check City offers quick and easy loans to applicants around the United States. Residents of Idaho may qualify for a payday loan between $300 and $3,000, depending on their eligibility. 

This loan needs to be paid off within five to six months. This gives customers some breathing room as they get their finances in order without inviting the opportunity to build more interest and higher fees. 

Check City offers online installment loans in Idaho. There are options for weekly, biweekly, or monthly payments. This will affect your annual percentage rate (APR), so be sure to review your options carefully before choosing a repayment plan. 

When you apply for a payday loan with Check City, you will get your funds deposited in your account within 24 hours. You can also apply for a loan over the phone and get quick approval from a representative. 

Check City also has locations around the country where you can apply in person and receive cash upon approval, even if you do not have a bank account. The company has been serving customers since 1986. It is a direct payday lender, which means that you will never deal with a third-party company while repaying your loan. 

7. Rise Credit

Rise Credit Idaho Online Payday Loans

RISE Credit offers payday loans for customers around the country. Residents of Idaho can qualify for a loan between $300 and $5,000. This makes RISE a provider of one of the highest loan limits you can find. 

You can apply completely online, either from your computer or mobile phone. It only takes a few minutes to get approved. You can get your funds as soon as the next day. 

You have between four and 26 months to pay your loan back. But bear in mind that you will have to read the fine print for your state to make sure you understand the interest and payment schedule, as this varies based on your eligibility. Payday loans through RISE in Idaho are regulated by the Idaho Department of Finance. 

One of the best features of RISE that you might not find with other lenders is the five-day cancellation policy. If you decide you don’t want the loan within five days of taking it out, you can cancel it with no penalties. 

RISE aims to help customers with poor credit cover their emergency expenses and improve their finances in the long term. It even helps you improve your credit score if you want. 

8. Avant

Avant Idaho

Avant lets customers check their loan eligibility with no penalties or fees. If you are approved, you may be able to get a payday loan between $2,000 and $35,000 dispersed to your account as soon as the next day. Loan lengths range up to 60 months, so there are a lot of options for people looking to take out personal loans. 

Avant offers a full-service mobile app that lets you do everything right from your cell phone. The company, which was founded in 2012, has been featured in publications like Lendit News, Cision, and The Chicago Tribune. 

Since its conception, Avant has aimed to change how lending works for middle-income people. It might not be a great resource for lower-income households, but it can be a great option for people who need a higher loan amount as quickly as possible. 

When you go to pay your loan back, Avant offers fixed payment amounts. This is an excellent option since it means you always know what you will be paying. 

Avant can be a good option for residents of Idaho who need fast, higher loans with a reputable company. However, it may take a much longer time to pay off, unless you pay early.

9. Cash Central

Cash Central Idaho Personal Loans

Cash Central offers simple payday loan options for residents of the state of Idaho. This company aims to keep things basic so that you have a short-term financial solution, not a long-term extra payment. 

The length of time until your payday loan is due for repayment is between four and 35 days. This ensures that you can pay your loan back without it affecting your long-term credit or finances. 

Despite all this, Cash Central also offers options for repayment plans to make it as easy as possible for you. Usually, the company simply withdraws the loan amount on the predetermined payback date. However, customers have the option to refinance their loan up to three times after taking it out. 

Payday loans offered by Cash Central in the state of Idaho are subject to Idaho state laws of repayment. The company operates strictly under state regulations as well as the laws regarding financial institutions. 

Additionally, Cash Central is a member of Community Choice Financial. These accreditations help you know that your finances are safe in the hands of a reputable company. If you need a short-term payday loan that will be wrapped up in a short time, Cash Central may be an excellent choice for your needs. 

10. Lift Credit

Lift Credit

Lift Credit offers same-day loans that you can apply for online in just minutes. The most unique thing about Lift is that the company does not require any kind of credit score check. You can get approved based on just your online application. These qualifications include having a monthly income of at least $1,300, an active bank account, and no current bankruptcies in your name. 

If you are eligible, you will be approved right away. Then you can get your funds deposited in your bank account that same day. Lift Credit pledges to review your application within 30 minutes. The maximum delay for payment is 24 hours. The company also offers much lower rates than many comparable lenders, which means less long-term financial stress for you. 

Lift Credit offers loans between $300 and $3,000 for residents of Idaho. This will need to be repaid between three and 12 months after the loan is taken out. When you apply, the company’s specialists will help you make the perfect repayment plan for your finances. 

Lift Credit‘s qualified customer service team is available for consultation. It pledges to respond to all customer inquiries within 30 minutes during normal business hours. 


Getting a payday loan can be a useful way to cover emergency expenses. These might include unexpected car repairs, bills, medical costs, and more. 

But it is important to know that taking out a payday loan is not a long-term financial solution. You should never take out a payday loan if you are not sure that you will have a steady income or be able to make prompt payments. Being unable to make regular payments or pay your loan back by the due date could seriously affect your long-term finances or credit. 

Many payday loan providers offer financial consultations or resources to help customers improve their future finances after their loan is repaid. That includes getting better credit, building your savings, and more. With the right loan rates and a great financial team, taking out a payday loan the smart way can be an excellent way to cover your emergency expenses.

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