- Payday loans in Arimo follow Idaho law (Idaho Payday Loan Act).
- Idaho law sets no cap on payday loan fees, so prices vary widely by lender.
- The nearest larger city is Pocatello, about 26 miles away.
Arimo at a glance
| Arimo | |
|---|---|
| Population (2024 Census estimate) | 363 |
| Change since 2020 | +2.5% (growing) |
| County | Bannock County |
| Size rank among 163 Idaho places we cover | 145th |
| Nearest larger city | Pocatello (about 26 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Bannock County | 7 |
| Other towns within 25 miles | 6 (about 3,881 residents) |
| Typical payday APR statewide (CRL 2023) | 475% |
Whether you borrow at a storefront in Pocatello or online from Arimo, the lender must hold a Idaho license from the Idaho Department of Finance and follow state limits.
Credit unions near Arimo
No credit union has its main office in Arimo, but these are based elsewhere in Bannock County (NCUA, June 2026):
- Rails West Federal Credit Union in Pocatello (federal charter — may offer payday alternative loans (PALs))
- Sei Federal Credit Union in Pocatello (federal charter — may offer payday alternative loans (PALs))
- Lookout Federal Credit Union in Pocatello (federal charter — may offer payday alternative loans (PALs))
- Advantage Plus Federal Credit Union in Pocatello (federal charter — may offer payday alternative loans (PALs))
- Idaho Central Credit Union in Chubbuck (state charter)
Only federal credit unions can offer payday alternative loans (PALs), capped at 28% APR; state-chartered credit unions often have their own small-loan products. Membership rules apply, and only main offices are listed here; find branches near you with the NCUA Credit Union Locator. See how PALs work.
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Payday loan rules that apply in Arimo
Key Idaho limits that apply to Arimo borrowers: 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. See the full Idaho payday loan rules.
What a $300 loan costs in Arimo
The Center for Responsible Lending put the typical APR on a $400 payday loan in Idaho at 475% (June 2023). Idaho law sets no cap on payday loan fees, so prices vary widely by lender. Check any offer with our payday loan calculator.
Other help in Bannock County before you borrow
- Credit union payday alternative loans (PALs): $200–$2,000 at no more than 28% APR. Search for a federal credit union in Arimo 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.
Towns near Arimo
The nearest larger city is Pocatello, about 26 miles away. See all 163 Idaho cities.
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 Arimo?
Yes. Payday loans are legal in Arimo under Idaho state law, and lenders must be licensed by the Idaho Department of Finance.
How much does a payday loan cost in Arimo?
Idaho law sets no cap on payday loan fees, so prices vary widely by lender. The typical statewide APR was 475% in 2023.
Where is the nearest credit union to Arimo?
No credit union is headquartered in Arimo, but Rails West Federal Credit Union is based in Pocatello, also in Bannock County.
Sources
- U.S. Census Bureau — City and town population totals, Vintage 2024
- U.S. Census Bureau — 2024 Gazetteer files (place locations)
- NCUA — Credit union call report data, June 2026 (FOICU)
- Idaho Department of Finance — Payday Loan Act changes (2014)
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary