Compare legal limits, fees and the true cost of small loans in your state before you talk to any lender. Compare legal limits, fees and the true cost of small loans in your state.
Payday loans in Boise, Idaho
Idaho payday loan rules that apply in Boise
- Max loan amount
- $1,000 or 25% of gross income
- Min loan term
- N/A
- Max loan term
- N/A
- Finance charge cap
- No strict state limit
- Max absolute fee
- N/A
- Typical APR
- ~652%+
- Rollovers (extensions)
- Up to 3
- Simultaneous loans
- No state limit
- Right to rescind
- Next business day
- Governing law
- Idaho Payday Loan Act
- Regulator
- ID Dept of Finance
Boise at a glance
| Metric | Boise | Idaho | United States |
|---|---|---|---|
| Population | 265,704 | 1.9M | 332.3M |
| Median household income | $84,006 | $76,311 | $85,275 |
| Median rent | $1,496/mo | $1,205/mo | $1,432/mo |
| Income spent on rent | 28.7% | 27.9% | 31.6% |
| Homeownership | 66.4% | 72.3% | 65.4% |
| Poverty rate | 10.3% | 10.7% | 12.6% |
| Unemployment rate | 3.2% | 3.7% | 5.3% |
| Without health insurance | 7.3% | 9.3% | 8.6% |
| Veterans | 7.8% | 8.3% | 6.5% |
Source: U.S. Census Bureau, American Community Survey, by ZIP code. City and state figures are population-weighted averages of ZIP code data and are approximate.
Payday loan cost calculator for Boise
Move the sliders to see what a payday loan would cost under Idaho rules and how it compares with local incomes.
Example range up to $1,000
Idaho sets no fixed fee; $15 is typical
- Fee
- $75
- Total to repay
- $575
- APR
- 391%
- Total fees with rollovers
- $75
- Share of a two-week household paycheck in Boise
- 2.3%
Estimate only. APR = fee ÷ amount × 365 ÷ term. Lenders may charge less than the state maximum; actual terms vary.
What a payday loan costs in Boise
- Fee on a $500 loan
- $75
- Share of a two-week household paycheck
- 2.3%
- Hours of work at the local median wage
- 3.6 hours
- Total fees if rolled over 3×
- $300
Idaho sets no fixed fee in dollars, so this example uses a typical fee of $15 per $100 on a $500 loan and local median incomes: two-week paycheck = household income ÷ 26, hourly wage = individual income ÷ 2,080. Actual terms vary by lender.
Boise in context
- Population rank in Idaho
- 1st
- of 10 Idaho cities with 50,000+ residents
- Median household income rank
- 2nd
- of 10 Idaho cities with 50,000+ residents
- Households earning under $25,000
- 10.8%
- ▼ 2.2 pts vs ID
- Median home value
- $473,892
- ▲ 23% vs ID
- Home value to income
- 5.6×
- A $400 emergency expense
- 1.7 days
- of median household income
Payday loan stores in Boise, ID
Licensed storefront lenders in Boise with addresses, phone numbers and hours. We do not rank or recommend any lender; confirm each company's license with the ID Dept of Finance before you borrow.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 10484 W Emerald St Boise, ID 83704 | (208) 906-0707 | — | 4.6 |
| 1624 S Broadway Ave Boise, ID 83706 | (208) 510-5979 | — | 4.7 |
| 421 N Orchard St Boise, ID 83706 | (208) 922-7942 | — | 5.0 |
| 5253 W Overland Rd Boise, ID 83705 | (208) 775-0230 | — | 4.9 |
| 5800 W Fairview Ave Boise, ID 83704 | (208) 306-0404 | — | 4.7 |
| 6493 Fairview Ave Boise, ID 83704 | (208) 375-2274 | — | 4.8 |
| 8485 W Overland Rd Boise, ID 83709 | (208) 375-6665 | — | 4.9 |
| 10530 Fairview Ave Boise, ID 83704 | (208) 378-0231 | — | 4.5 |
| 548 S Vista Ave Boise, ID 83705 | (208) 338-9594 | — | 4.2 |
| 8170 W Overland Rd Boise, ID 83709 | (208) 376-7868 | — | 4.4 |
| 10654 W Overland Rd Boise, ID 83709 | (208) 658-8855 | — | 4.9 |
| 5157 W Overland Rd Boise, ID 83705 | (208) 343-1670 | — | 4.6 |
| 9506 W Fairview Ave Boise, ID 83704 | (208) 323-8222 | — | 3.7 |
| 1290 W Myrtle St #410 Boise, ID 83702 | — | — | 4.6 |
Fast & secure payday loans in Boise, Idaho
Unexpected expenses can happen anytime. If you need urgent cash in Boise, our service connects you with trusted, state-licensed lenders.
Apply online from the comfort of your home, get a fast decision and, if approved, receive funds in your bank account as soon as the next business day.
Why Boise residents use us
- Fast 5-minute request A simple online application, with no waiting in line at a storefront.
- Bad credit considered Lenders focus on your steady income, not just your credit history.
- Loans within Idaho limits Loan terms must comply with the Idaho Payday Loan Act.
- Safe & confidential Your personal and financial details are sent over an encrypted connection.
Notice for Boise residents: Payday loans are designed for short-term emergency needs and should not be used as a long-term debt solution. Interest rates, fees and maximum loan amounts are governed by Idaho law (Idaho Payday Loan Act). Always review the contract terms carefully before signing.
Boise payday loan FAQ
How much cash can I borrow in Boise?
Loan amounts in Boise are typically from $100 up to the Idaho limit ($1,000 or 25% of gross income), in line with Idaho lending law. Your exact approved amount depends on your verifiable income, existing debt and the lender’s evaluation.
Do I need to visit a storefront in Boise to apply?
No. The whole process is handled securely online, so you don’t need to wait in line at a local check-cashing store or branch. If approved, your funds are deposited directly into your bank account by ACH transfer.
Can I qualify for a payday loan in Boise with poor credit?
Possibly. A traditional FICO score is not the only factor. Lenders in our network mainly look at whether you have a steady, recurring income and an active checking account to handle repayment. Approval is not guaranteed.
How quickly will I receive my funds in Boise?
Many applicants get a decision within minutes. Once you review and e-sign your agreement, lenders typically release the cash the same day or the next business day, depending on your bank’s transfer cutoff times.
What are the minimum requirements for Boise residents?
To qualify, you must:
- Be at least 18 years old.
- Live in Boise or the surrounding Idaho area.
- Have an active checking account in your name.
- Provide proof of consistent monthly income (employment, benefits or recurring deposits).