- Payday loans are legal in Idaho under the Idaho Payday Loan Act.
- The typical APR on a $400 payday loan in Idaho was 475% (CRL, June 2023, from state regulator data).
- Idaho law sets no cap on payday loan fees, so prices vary widely by lender.
Payday loan rules in Idaho
| Rule | Idaho |
|---|---|
| Maximum loan | $1,000 or 25% of your gross monthly income, whichever is less |
| Fee cap | None set by statute |
| Renewals | Up to three consecutive renewals, then the loan must be repaid |
Rules checked 2026-10-04. Laws change, so confirm current limits with the Idaho Department of Finance.
What a payday loan costs in Idaho
The Center for Responsible Lending found the typical APR on a $400 single-payment payday loan in Idaho was 475%, based on data from the state regulator (June 2023). Use our cost calculator to turn any offer into an APR.
Most payday loans are due in one payment on your next payday. If repaying leaves you short again, ask about an extended payment plan and avoid renewals.
Need $100–$1,000 before payday?
- One free request, many lenders
- Bad credit and benefit income considered by many lenders
- See the APR and total cost before you sign
PaydayEase is not a lender. Requests go to lenders in our network; approval, rates and terms are set by the lender. Rates & fees
How to check a lender in Idaho
- Make sure the lender is licensed by the Idaho Department of Finance. Many lenders can also be looked up on NMLS Consumer Access.
- Get the APR and finance charge in writing before you sign. Federal law requires them.
- Be careful with online lenders that say Idaho law does not apply to them because they are tribal or offshore.
- File complaints with the state regulator and the CFPB.
Cheaper options in Idaho
- Credit union payday alternative loans (PALs): $200–$2,000 at no more than 28% APR. Search for a federal credit union in Idaho that offers them. See how PALs work.
- Your bank’s small-dollar loan, if it offers one. See bank small-dollar loans.
- Cash advance apps for $20–$500 based on your direct deposits. See apps compared.
- 211: call or text 211 for local help with rent, utilities and food.
Idaho cities
Local guides for 163 Idaho cities and towns, with credit unions, nearby towns and the rules that apply.
- Payday loans in Boise
- Payday loans in Meridian
- Payday loans in Nampa
- Payday loans in Caldwell
- Payday loans in Idaho Falls
- Payday loans in Pocatello
- Payday loans in Coeur d'Alene
- Payday loans in Twin Falls
- Payday loans in Post Falls
- Payday loans in Rexburg
- Payday loans in Lewiston
- Payday loans in Eagle
- Payday loans in Kuna
- Payday loans in Moscow
- Payday loans in Ammon
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in Idaho?
Yes. Payday lending is legal in Idaho under the Idaho Payday Loan Act and is regulated by the Idaho Department of Finance.
What is the typical payday loan APR in Idaho?
The Center for Responsible Lending reported a typical APR of 475% on a $400 payday loan in Idaho, using state regulator data (June 2023).
Where can I complain about a payday lender in Idaho?
Contact the Idaho Department of Finance and file a complaint with the Consumer Financial Protection Bureau.