Cash Advance Idaho


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Request cash advace and payday loans in Idaho

While many state legislators are actively pursuing cash advance regulation reform, Idaho seems to be pretty comfortable with how things are right now. In fact, Idaho boasts one of the most relaxed set of cash advance laws in the country, and it doesn’t look like that’s going to change any time soon. Of course, you never know. A group of senators is currently pushing for federal regulations for cash advances. If the regulations pass, the statutes could potentially force tighter cash advance restrictions in Idaho. If you want to start the loan request process right now, check out our secure loan request form. Let’s look at the Idaho cash advance state regulations as they stand right now.

Idaho Cash Advance Laws

When receiving a cash advance in Idaho, the maximum loan amount is $1,000. The amount a lender chooses to offer you can vary, but you’ll never be able to borrow more than $1,000 (but you may get payday loans up to $1,000) at one time in Idaho. From there, most of the laws and restrictions found in other states are unspecified in Idaho. For example, there are no limitations on the loan term, maximum finance rate, and maximum fees for cash advances in Idaho.

You are limited to three rollovers in Idaho, but you’ll need to check your specific loan agreement to determine the loan term that you will be extending. Though, ideally, you should be able to pay off your loan before you would need to take advantage of a rollover option.

Lenders in Idaho can charge a $20 NSF collection fee. They cannot, however, pursue criminal action against you for defaulting on your loan.

Idaho Payday Loan Regulations

Everything we have discussed so far applies. Just like a dollar and a buck are the same thing, so are cash advances and payday loans. That means the regulations for one apply to the other as well.

  • How Payday Loans Work – When you need money fast for an emergency, and a credit card is not an option, you might be able to turn to this type of short-term funding instead. How it works is you pay back the money in one lump sum using the money you know will arrive within the next couple of weeks.
  • Maximum Amount – In Idaho, you might be able to borrow up to $1,000 using this type of funding.
  • Repayment Extensions – If your lender allows it, you can extend up to three times.

Idaho State Economy

It is often assumed that a better state economy makes it easier for borrowers to pay back their loans. The May 2015, unemployment rate in Idaho was a low 3.9-percent. That’s much lower than the state high of 10.2-percent from back in December 1982. The all-time low was 2.9-percent in June of 2007.

Before you apply for a loan, make sure that you understand the current Idaho cash advance laws and regulations.


* strives to present accurate information on each state’s regulations; however, we do not guarantee accuracy of data as presented. Please contact your state’s department of finance or visit your state’s official website for the most accurate information and inquiries. You can find your state’s site here:

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