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Payday loans in Idaho

Payday loans for bad credit in Idaho

Payday loans are allowed in Idaho from state-licensed lenders (Regulated Payday Lender License). Here are the limits Idaho law sets, what a typical loan can cost, and where to get free help if you need it.

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Last updated .

Part of the Idaho guide

What Idaho law allows

Payday loans in Idaho
ProductStatusAPR capAmountTermLicenseLaw
Payday loans[1][2][3] AllowedNo rate limit in state law No rate limit Up to $1,000 Not set by statute Regulated Payday Lender License Idaho Code Title 28, ch. 46, part 4, esp. s. 28-46-413
Verified against the statute and regulator on September 23, 2026. Laws change; confirm with the regulator before you borrow.

Bars place each APR cap on a 0 to 400% scale; the pin marks the cap. A striped bar means the statute sets no numeric cap.

The rules in full

Payday loans

Rate cap
No statutory APR cap; the fee charged for a payday loan is deemed fully earned at the time of the transaction and is not treated as interest for legal purposes, so 'finance rates and charges' are effectively uncapped.
Fees
Fee must be posted conspicuously at each licensed location, expressed as a dollar amount per $100 borrowed; only fees specifically set forth in the Payday Loan Act (Idaho Code Title 28, ch. 46, part 4) may be charged.
License
Regulated Payday Lender License under the Idaho Credit Code / Payday Loan Act (Idaho Code Title 28, ch. 46, part 4), Idaho Department of Finance.

Full detail for every loan type: Idaho lending laws.

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Rent and jobs in Idaho

Typical rent and the jobless rate, to weigh before a loan payment.

Rent and unemployment in Idaho
MeasureValueYear
Fair market rent, 2 bedroom (monthly)[4]$1,410FY2026
Unemployment rate[5]3.6%2026-08

Other options in Idaho

Cheaper options to try first

Worth checking whatever your credit: these can cost less than a high-rate loan.

  • Credit union payday alternative loans (PALs), capped at 28% APR under NCUA rules (12 CFR 701.21).
  • Nonprofit credit counseling through the National Foundation for Credit Counseling.
  • A payment plan from the company you owe, if you ask before you miss a payment.
  • 211 for help with rent, utilities and food: call 211 or visit 211.org.

More cheaper options in Idaho.

Other loan types allowed in Idaho

See every loan type Idaho law allows.

Payday loans in nearby states

  • MontanaAllowedHigh-cost loan 36% APR
  • OregonAllowedHigh-cost loan 36% APR
  • WashingtonAllowedHigh-cost loan Fee cap
  • NevadaAllowedNo rate limit in state law No rate limit
  • WyomingAllowedHigh-cost loan Cap set in statute

Sources

  1. Justia. law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-412. Retrieved September 23, 2026.
  2. Justia. Idaho Code Title 28, ch. 46, part 4, esp. s. 28-46-413. Retrieved September 23, 2026.
  3. finance.idaho.gov. Idaho Department of Finance, Consumer Finance Bureau. Retrieved September 23, 2026.
  4. National Low Income Housing Coalition. Out of Reach 2026: Idaho. Retrieved September 23, 2026.
  5. U.S. Bureau of Labor Statistics. Local Area Unemployment Statistics (LAUS), All States, Seasonally Adjusted. Retrieved September 23, 2026.

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Important disclosures

APRs vary by lender and state in Idaho. Each lender sets its own rates and terms and must show you the APR before you sign.

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  • Questions about a lender licensed in Idaho? Contact the Idaho Department of Finance, Consumer Finance Bureau or file a state complaint.
  • You can submit a complaint about any lender to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.